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Midwest Regional Bank

IDRSSD: 691958
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
65
/ 100
StableAs of 2025-Q2QoQ +2

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 #691958 2025-Q2 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.8% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.72% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 92.4%, cash 5.7% of assets.

Cash / Assets
5.68%
Loans / Deposits
92.43%
Brokered %
6.91%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.09%
No watch items at this period.

Capitalization

StableQoQ -2
62
Sub-score

Capital position is stable: Tier 1 RBC 10.48%, CET1 10.48%, leverage 9.70%.

Tier 1 RBC
10.48%
CET1
10.48%
Leverage
9.70%
No watch items at this period.

Asset Quality

StableQoQ +7
62
Sub-score

Asset quality is stable: Adjusted NPL 4.72%, Texas Ratio 35.5%, NCO YTD 0.10%.

Adjusted NPL
4.72%
Govt-guarantees stripped
Texas Ratio
35.5%
NCO YTD
0.10%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.72% (govt-guarantees stripped).

Reserves

RiskQoQ +6
28
Sub-score

Reserves are weak: ALLL 1.34% of loans, coverage 28.8%, true coverage 28.8%.

ALLL / Loans
1.34%
Coverage
28.8%
True Loss Coverage
28.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.8% (Adjusted NPL + Performing Mods denominator).

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 19:14:07 UTC