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Longview Community Bank

IDRSSD: 830645
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ -8

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

Quarterly Headline

2025-Q2

Bank #830645 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↓ -8 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -27

The five pillars

Liquidity

StrongQoQ +1
90
Sub-score

Liquidity is strong: brokered 3.7%, loans/deposits 84.3%, cash 9.9% of assets.

Cash / Assets
9.92%
Loans / Deposits
84.29%
Brokered %
3.71%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.94%
No watch items at this period.

Capitalization

WatchQoQ -4
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.01%, CET1 10.01%, leverage 7.94%.

Tier 1 RBC
10.01%
CET1
10.01%
Leverage
7.94%
No watch items at this period.

Asset Quality

StableQoQ -12
79
Sub-score

Asset quality is stable: Adjusted NPL 1.02%, Texas Ratio 8.5%, NCO YTD 0.01%.

Adjusted NPL
1.02%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.01%
30-89 PD
3.11%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -27
51
Sub-score

Reserves are deteriorating: ALLL 0.91% of loans, coverage 90.4%, true coverage 90.4%.

ALLL / Loans
0.91%
Coverage
90.4%
True Loss Coverage
90.4%
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: 2026-05-14 09:19:26 UTC