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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q3QoQ -11

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

Quarterly Headline

2025-Q3

Bank #830645 2025-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.9% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.49% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -40

The five pillars

Liquidity

StrongQoQ -3
87
Sub-score

Liquidity is strong: brokered 3.9%, loans/deposits 86.5%, cash 9.1% of assets.

Cash / Assets
9.08%
Loans / Deposits
86.45%
Brokered %
3.90%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.01%
No watch items at this period.

Capitalization

WatchQoQ -5
43
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.66%, CET1 9.66%, leverage 7.68%.

Tier 1 RBC
9.66%
CET1
9.66%
Leverage
7.68%
No watch items at this period.

Asset Quality

StableQoQ -12
67
Sub-score

Asset quality is stable: Adjusted NPL 2.49%, Texas Ratio 21.8%, NCO YTD 1.48%.

Adjusted NPL
2.49%
Govt-guarantees stripped
Texas Ratio
21.8%
NCO YTD
1.48%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.49% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.48% of loans.

Reserves

RiskQoQ -40
12
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 32.9%, true coverage 32.9%.

ALLL / Loans
0.81%
Coverage
32.9%
True Loss Coverage
32.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.9% (Adjusted NPL + Performing Mods denominator).

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