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Longview Bank

IDRSSD: 380533
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q4QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #380533 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ -3
77
Sub-score

Liquidity is stable: brokered 3.3%, loans/deposits 89.7%, cash 5.2% of assets.

Cash / Assets
5.25%
Loans / Deposits
89.69%
Brokered %
3.27%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.15%
No watch items at this period.

Capitalization

WatchQoQ -3
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.67%, CET1 10.67%, leverage 8.09%.

Tier 1 RBC
10.67%
CET1
10.67%
Leverage
8.09%
No watch items at this period.

Asset Quality

StrongQoQ +1
89
Sub-score

Asset quality is strong: Adjusted NPL 0.96%, Texas Ratio 8.8%, NCO YTD 0.32%.

Adjusted NPL
0.96%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
0.32%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +6
37
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 80.0%, true coverage 75.2%.

ALLL / Loans
0.76%
Coverage
80.0%
True Loss Coverage
75.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 19:57:12 UTC