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Mainstreet Bank

IDRSSD: 3248849
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
83
/ 100
StrongAs of 2025-Q2QoQ +6

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 #3248849 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2025:
↑ +6 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +34

The five pillars

Liquidity

WatchQoQ -8
58
Sub-score

Liquidity is deteriorating: brokered 34.0%, loans/deposits 98.0%, cash 6.3% of assets.

Cash / Assets
6.32%
Loans / Deposits
97.99%
Brokered %
34.05%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.0% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.61%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 15.39%, CET1 15.39%, leverage 13.21%.

Tier 1 RBC
15.39%
CET1
15.39%
Leverage
13.21%
No watch items at this period.

Asset Quality

StrongQoQ +8
89
Sub-score

Asset quality is strong: Adjusted NPL 0.41%, Texas Ratio 2.4%, NCO YTD -0.03%.

Adjusted NPL
0.41%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
-0.03%
30-89 PD
2.14%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +34
62
Sub-score

Reserves are stable: ALLL 1.07% of loans, coverage 265.8%, true coverage 50.4%.

ALLL / Loans
1.07%
Coverage
265.8%
True Loss Coverage
50.4%
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 04:19:46 UTC