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Mi Bank

IDRSSD: 5332603
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
72
/ 100
StableAs of 2025-Q2QoQ -3

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 #5332603 2025-Q2 Vital Signs Score: 72/100 — 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

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.44% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -13
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 22.5%, loans/deposits 90.0%, cash 12.9% of assets.

Cash / Assets
12.91%
Loans / Deposits
90.01%
Brokered %
22.45%
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 -13
43
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.31%, CET1 9.31%, leverage 8.12%.

Tier 1 RBC
9.31%
CET1
9.31%
Leverage
8.12%
No watch items at this period.

Asset Quality

StrongQoQ -3
82
Sub-score

Asset quality is strong: Adjusted NPL 2.44%, Texas Ratio 19.8%, NCO YTD 0.00%.

Adjusted NPL
2.44%
Govt-guarantees stripped
Texas Ratio
19.8%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.44% (govt-guarantees stripped).

Reserves

StableQoQ +7
72
Sub-score

Reserves are stable: ALLL 2.20% of loans, coverage 92.1%, true coverage 92.1%.

ALLL / Loans
2.20%
Coverage
92.1%
True Loss Coverage
92.1%
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: 2026-05-15 11:27:20 UTC