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Mercer Savings Bank

IDRSSD: 661072
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
76
/ 100
StableAs of 2025-Q3QoQ -5

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 #661072 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.92% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.0% (threshold 100%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.63% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -32

The five pillars

Liquidity

WatchQoQ +3
55
Sub-score

Liquidity is deteriorating: brokered 15.5%, loans/deposits 103.0%, cash 1.9% of assets.

Cash / Assets
1.92%
Loans / Deposits
103.02%
Brokered %
15.49%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.92% 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
0.04%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.07%, CET1 17.07%, leverage 12.53%.

Tier 1 RBC
17.07%
CET1
17.07%
Leverage
12.53%
No watch items at this period.

Asset Quality

StrongQoQ -3
89
Sub-score

Asset quality is strong: Adjusted NPL 1.06%, Texas Ratio 6.9%, NCO YTD 0.01%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
6.9%
NCO YTD
0.01%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.59%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -32
21
Sub-score

Reserves are weak: ALLL 0.63% of loans, coverage 60.2%, true coverage 60.2%.

ALLL / Loans
0.63%
Coverage
60.2%
True Loss Coverage
60.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.63% 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 08:37:23 UTC