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Midcountry Bank

IDRSSD: 3971
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
85
/ 100
StrongAs of 2025-Q2QoQ +1

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 #3971 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.19% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +1
82
Sub-score

Liquidity is strong: brokered 0.6%, loans/deposits 83.7%, cash 5.2% of assets.

Cash / Assets
5.15%
Loans / Deposits
83.71%
Brokered %
0.61%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.52%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 15.33%, CET1 15.33%, leverage 12.23%.

Tier 1 RBC
15.33%
CET1
15.33%
Leverage
12.23%
No watch items at this period.

Asset Quality

StrongQoQ +3
83
Sub-score

Asset quality is strong: Adjusted NPL 2.19%, Texas Ratio 11.2%, NCO YTD 0.38%.

Adjusted NPL
2.19%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.38%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.19% (govt-guarantees stripped).

Reserves

WatchQoQ 0
55
Sub-score

Reserves are deteriorating: ALLL 1.68% of loans, coverage 77.8%, true coverage 61.8%.

ALLL / Loans
1.68%
Coverage
77.8%
True Loss Coverage
61.8%
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 06:43:54 UTC