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Mainstreet Bank

IDRSSD: 3248849
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
77
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #3248849 2025-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.8% (Adjusted NPL + Performing Mods denominator).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.7% of deposits (threshold 30%).

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -37

The five pillars

Liquidity

WatchQoQ -1
57
Sub-score

Liquidity is deteriorating: brokered 34.7%, loans/deposits 98.4%, cash 6.0% of assets.

Cash / Assets
6.00%
Loans / Deposits
98.42%
Brokered %
34.67%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.7% 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
0.60%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.16%, CET1 15.16%, leverage 13.42%.

Tier 1 RBC
15.16%
CET1
15.16%
Leverage
13.42%
No watch items at this period.

Asset Quality

StrongQoQ -3
86
Sub-score

Asset quality is strong: Adjusted NPL 1.31%, Texas Ratio 7.7%, NCO YTD 0.04%.

Adjusted NPL
1.31%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.04%
30-89 PD
1.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -37
25
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 80.5%, true coverage 16.8%.

ALLL / Loans
1.04%
Coverage
80.5%
True Loss Coverage
16.8%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.8% (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 04:19:46 UTC