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Merrick Bank

IDRSSD: 2615190
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
71
/ 100
StableAs of 2025-Q4QoQ 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-Q4

Bank #2615190 2025-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 79.0% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 10.63% of loans.
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.02%.

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ +1
55
Sub-score

Liquidity is deteriorating: brokered 79.0%, loans/deposits 104.1%, cash 6.4% of assets.

Cash / Assets
6.38%
Loans / Deposits
104.10%
Brokered %
79.00%

Watch Items

  • riskBrokered deposits above 30% — Brokered 79.0% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 104.1% (threshold 100%).

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 20.09%, CET1 20.09%, leverage 19.19%.

Tier 1 RBC
20.09%
CET1
20.09%
Leverage
19.19%
No watch items at this period.

Asset Quality

RiskQoQ -1
20
Sub-score

Asset quality is weak: Adjusted NPL 4.64%, Texas Ratio 11.0%, NCO YTD 10.63%.

Adjusted NPL
4.64%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
10.63%
30-89 PD
4.43%
Band 0.3% / 3.0%
90+ PD
4.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.64% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.02%.
  • riskNet charge-offs elevated — NCO YTD 10.63% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 15.33% of loans, coverage 390.0%, true coverage 370.4%.

ALLL / Loans
15.33%
Coverage
390.0%
True Loss Coverage
370.4%
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: 2026-05-13 11:59:23 UTC