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Main Street Bank

IDRSSD: 818401
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
86
/ 100
StrongAs of 2025-Q4QoQ -1

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 #818401 2025-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +5
67
Sub-score

Liquidity is stable: brokered 7.8%, loans/deposits 97.4%, cash 3.6% of assets.

Cash / Assets
3.57%
Loans / Deposits
97.36%
Brokered %
7.84%
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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.26%, CET1 16.26%, leverage 11.79%.

Tier 1 RBC
16.26%
CET1
16.26%
Leverage
11.79%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 5.6%, NCO YTD 0.01%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
5.6%
NCO YTD
0.01%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -7
59
Sub-score

Reserves are deteriorating: ALLL 0.92% of loans, coverage 102.6%, true coverage 101.8%.

ALLL / Loans
0.92%
Coverage
102.6%
True Loss Coverage
101.8%
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 19:37:49 UTC