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Midwest National Bank

IDRSSD: 122546
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
72
/ 100
StableAs of 2025-Q1QoQ -4

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 #122546 2025-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +3
72
Sub-score

Liquidity is stable: brokered 5.2%, loans/deposits 90.3%, cash 3.6% of assets.

Cash / Assets
3.57%
Loans / Deposits
90.29%
Brokered %
5.22%
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

StableQoQ -11
64
Sub-score

Capital position is stable: Tier 1 RBC 11.24%, CET1 11.24%, leverage 8.32%.

Tier 1 RBC
11.24%
CET1
11.24%
Leverage
8.32%
No watch items at this period.

Asset Quality

StableQoQ -9
76
Sub-score

Asset quality is stable: Adjusted NPL 1.18%, Texas Ratio 10.1%, NCO YTD 0.17%.

Adjusted NPL
1.18%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
0.17%
30-89 PD
3.43%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
49
Sub-score

Reserves are deteriorating: ALLL 1.08% of loans, coverage 92.7%, true coverage 73.3%.

ALLL / Loans
1.08%
Coverage
92.7%
True Loss Coverage
73.3%
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: 2026-05-13 16:09:25 UTC