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Marseilles Bank

IDRSSD: 104542
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
84
/ 100
StrongAs of 2025-Q4QoQ -2

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 #104542 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -3
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.9%, cash 3.1% of assets.

Cash / Assets
3.14%
Loans / Deposits
54.86%
Brokered %
0.00%
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 +1
93
Sub-score

Capital position is strong: Tier 1 RBC 16.68%, CET1 16.68%, leverage 8.21%.

Tier 1 RBC
16.68%
CET1
16.68%
Leverage
8.21%
No watch items at this period.

Asset Quality

StableQoQ -5
77
Sub-score

Asset quality is stable: Adjusted NPL 0.91%, Texas Ratio 4.7%, NCO YTD 0.23%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.23%
30-89 PD
3.13%
Band 0.3% / 3.0%
90+ PD
0.30%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
63
Sub-score

Reserves are stable: ALLL 0.99% of loans, coverage 109.7%, true coverage 109.7%.

ALLL / Loans
0.99%
Coverage
109.7%
True Loss Coverage
109.7%
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 01:49:13 UTC