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Mason Bank

IDRSSD: 368054
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
58
/ 100
WatchAs of 2025-Q2QoQ -11

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 #368054 2025-Q2 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.46% (govt-guarantees stripped).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.15%.

What changed this quarter

Compared to Q1 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -20

The five pillars

Liquidity

StrongQoQ -3
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.0%, cash 2.4% of assets.

Cash / Assets
2.45%
Loans / Deposits
56.05%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.45% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.35%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.53%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.53%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -29
34
Sub-score

Asset quality is weak: Adjusted NPL 3.46%, Texas Ratio 7.7%, NCO YTD 1.02%.

Adjusted NPL
3.46%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
1.02%
30-89 PD
10.64%
Band 0.3% / 3.0%
90+ PD
2.15%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.46% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.15%.
  • infoNet charge-offs elevated — NCO YTD 1.02% of loans.

Reserves

RiskQoQ -20
36
Sub-score

Reserves are weak: ALLL 1.42% of loans, coverage 41.8%, true coverage 41.8%.

ALLL / Loans
1.42%
Coverage
41.8%
True Loss Coverage
41.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 41.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.8% (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: 2026-05-15 05:41:09 UTC