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Mi Bank

IDRSSD: 5332603
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #5332603 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -23

The five pillars

Liquidity

StableQoQ -3
76
Sub-score

Liquidity is stable: brokered 27.8%, loans/deposits 80.5%, cash 21.2% of assets.

Cash / Assets
21.23%
Loans / Deposits
80.54%
Brokered %
27.78%
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

WatchQoQ +5
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.61%, CET1 10.61%, leverage 8.01%.

Tier 1 RBC
10.61%
CET1
10.61%
Leverage
8.01%
No watch items at this period.

Asset Quality

StrongQoQ -10
85
Sub-score

Asset quality is strong: Adjusted NPL 1.65%, Texas Ratio 12.6%, NCO YTD 0.00%.

Adjusted NPL
1.65%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
0.00%
30-89 PD
1.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -23
65
Sub-score

Reserves are stable: ALLL 1.41% of loans, coverage 86.5%, true coverage 86.5%.

ALLL / Loans
1.41%
Coverage
86.5%
True Loss Coverage
86.5%
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: 2026-05-15 11:27:20 UTC