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Luminate Bank

IDRSSD: 310754
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
79
/ 100
StableAs of 2025-Q4QoQ +4

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 #310754 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.53% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ +6
91
Sub-score

Liquidity is strong: brokered 1.8%, loans/deposits 85.1%, cash 20.5% of assets.

Cash / Assets
20.47%
Loans / Deposits
85.10%
Brokered %
1.80%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +2
85
Sub-score

Capital position is strong: Tier 1 RBC 12.51%, CET1 12.51%, leverage 10.07%.

Tier 1 RBC
12.51%
CET1
12.51%
Leverage
10.07%
No watch items at this period.

Asset Quality

StableQoQ +9
77
Sub-score

Asset quality is stable: Adjusted NPL 2.53%, Texas Ratio 17.7%, NCO YTD 0.60%.

Adjusted NPL
2.53%
Govt-guarantees stripped
Texas Ratio
17.7%
NCO YTD
0.60%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.53% (govt-guarantees stripped).

Reserves

RiskQoQ -2
37
Sub-score

Reserves are weak: ALLL 1.29% of loans, coverage 51.6%, true coverage 51.6%.

ALLL / Loans
1.29%
Coverage
51.6%
True Loss Coverage
51.6%
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: 2026-05-15 02:49:06 UTC