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Mcclave State Bank

IDRSSD: 399357
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
75
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #399357 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.0% (threshold 100%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.87% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +6

The five pillars

Liquidity

WatchQoQ -2
49
Sub-score

Liquidity is deteriorating: brokered 22.6%, loans/deposits 106.0%, cash 1.9% of assets.

Cash / Assets
1.87%
Loans / Deposits
106.03%
Brokered %
22.59%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.87% of assets (threshold 3%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.69%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.69%

Watch Items

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

Asset Quality

StrongQoQ +6
100
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 2.4%, NCO YTD 0.01%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
0.01%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +6
88
Sub-score

Reserves are strong: ALLL 1.13% of loans, coverage 301.5%, true coverage 215.7%.

ALLL / Loans
1.13%
Coverage
301.5%
True Loss Coverage
215.7%
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: 2026-05-14 09:15:17 UTC