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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ -6

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 #657459 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.60% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.05% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -26

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 1.8%, loans/deposits 96.9%, cash 2.6% of assets.

Cash / Assets
2.60%
Loans / Deposits
96.86%
Brokered %
1.83%

Watch Items

  • infoCash / Assets below 3% — Cash 2.60% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.13%
No watch items at this period.

Capitalization

StrongQoQ +5
92
Sub-score

Capital position is strong: Tier 1 RBC 13.30%, CET1 13.30%, leverage 11.67%.

Tier 1 RBC
13.30%
CET1
13.30%
Leverage
11.67%
No watch items at this period.

Asset Quality

StrongQoQ -13
85
Sub-score

Asset quality is strong: Adjusted NPL 1.23%, Texas Ratio 7.7%, NCO YTD 1.05%.

Adjusted NPL
1.23%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
1.05%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.05% of loans.

Reserves

StableQoQ -26
72
Sub-score

Reserves are stable: ALLL 1.29% of loans, coverage 105.9%, true coverage 105.3%.

ALLL / Loans
1.29%
Coverage
105.9%
True Loss Coverage
105.3%
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