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Merit Bank

IDRSSD: 290838
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
81
/ 100
StrongAs of 2025-Q2QoQ 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-Q2

Bank #290838 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.66% of loans.

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +17
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -9
76
Sub-score

Liquidity is stable: brokered 9.8%, loans/deposits 80.7%, cash 4.5% of assets.

Cash / Assets
4.54%
Loans / Deposits
80.73%
Brokered %
9.76%
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

StableQoQ +17
69
Sub-score

Capital position is stable: Tier 1 RBC 11.62%, CET1 11.62%, leverage 8.65%.

Tier 1 RBC
11.62%
CET1
11.62%
Leverage
8.65%
No watch items at this period.

Asset Quality

StrongQoQ -9
86
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 2.4%, NCO YTD 1.66%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
1.66%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.66% of loans.

Reserves

StrongQoQ -4
81
Sub-score

Reserves are strong: ALLL 0.94% of loans, coverage 292.1%, true coverage 292.1%.

ALLL / Loans
0.94%
Coverage
292.1%
True Loss Coverage
292.1%
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 23:37:33 UTC