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Maxwell State Bank

IDRSSD: 694146
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
90
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #694146 2025-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (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:
↑ +6 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +33

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 37.3%, cash 27.7% of assets.

Cash / Assets
27.65%
Loans / Deposits
37.28%
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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.17%, CET1 20.17%, leverage 13.87%.

Tier 1 RBC
20.17%
CET1
20.17%
Leverage
13.87%
No watch items at this period.

Asset Quality

StableQoQ +3
79
Sub-score

Asset quality is stable: Adjusted NPL 0.54%, Texas Ratio 1.3%, NCO YTD 0.00%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.00%
30-89 PD
4.59%
Band 0.3% / 3.0%
90+ PD
0.54%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +33
71
Sub-score

Reserves are stable: ALLL 0.87% of loans, coverage 162.5%, true coverage 162.5%.

ALLL / Loans
0.87%
Coverage
162.5%
True Loss Coverage
162.5%
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 01:32:49 UTC