Visbanking Logo
Skip to main content

Midwest Bankcentre

IDRSSD: 657459
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q3QoQ +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-Q3

Bank #657459 2025-Q3 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.64% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -3
70
Sub-score

Liquidity is stable: brokered 1.2%, loans/deposits 96.0%, cash 2.6% of assets.

Cash / Assets
2.64%
Loans / Deposits
96.05%
Brokered %
1.21%

Watch Items

  • infoCash / Assets below 3% — Cash 2.64% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.58%
No watch items at this period.

Capitalization

StrongQoQ +4
87
Sub-score

Capital position is strong: Tier 1 RBC 12.72%, CET1 12.72%, leverage 11.06%.

Tier 1 RBC
12.72%
CET1
12.72%
Leverage
11.06%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 4.2%, NCO YTD 0.02%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.02%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
98
Sub-score

Reserves are strong: ALLL 1.45% of loans, coverage 228.6%, true coverage 226.0%.

ALLL / Loans
1.45%
Coverage
228.6%
True Loss Coverage
226.0%
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 06:18:43 UTC