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Meade County Bank

IDRSSD: 776547
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
81
/ 100
StrongAs of 2025-Q3QoQ 0

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 #776547 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.31% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.27% of assets (threshold 3%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.5% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -3
65
Sub-score

Liquidity is stable: brokered 4.6%, loans/deposits 100.5%, cash 2.3% of assets.

Cash / Assets
2.27%
Loans / Deposits
100.50%
Brokered %
4.61%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.27% 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

StableQoQ 0
74
Sub-score

Capital position is stable: Tier 1 RBC 12.26%, CET1 12.26%, leverage 8.78%.

Tier 1 RBC
12.26%
CET1
12.26%
Leverage
8.78%
No watch items at this period.

Asset Quality

StrongQoQ +1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.3%, NCO YTD 0.00%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.00%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.31% of loans, coverage 1152.5%, true coverage 612.6%.

ALLL / Loans
0.31%
Coverage
1152.5%
True Loss Coverage
612.6%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.31% of loans.

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: 2026-05-13 03:45:29 UTC