Visbanking Logo
Skip to main content

Mainstreet Bank

IDRSSD: 3248849
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
75
/ 100
StableAs 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 #3248849 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 12.9% (Adjusted NPL + Performing Mods denominator).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ +4
61
Sub-score

Liquidity is stable: brokered 33.6%, loans/deposits 96.8%, cash 7.4% of assets.

Cash / Assets
7.37%
Loans / Deposits
96.82%
Brokered %
33.56%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.6% 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
0.62%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.05%, CET1 15.05%, leverage 13.27%.

Tier 1 RBC
15.05%
CET1
15.05%
Leverage
13.27%
No watch items at this period.

Asset Quality

StrongQoQ -6
80
Sub-score

Asset quality is strong: Adjusted NPL 1.71%, Texas Ratio 10.3%, NCO YTD 0.00%.

Adjusted NPL
1.71%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.00%
30-89 PD
1.81%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
20
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 61.3%, true coverage 12.9%.

ALLL / Loans
1.04%
Coverage
61.3%
True Loss Coverage
12.9%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 12.9% (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 04:19:46 UTC