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Milestone Bank

IDRSSD: 3407084
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
55
/ 100
WatchAs of 2025-Q4QoQ -12

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 #3407084 2025-Q4 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 88.5% of deposits (threshold 30%).
  2. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 86.9% of deposits (threshold 50%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↓ -12 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -48

The five pillars

Liquidity

WatchQoQ +7
40
Sub-score

Liquidity is deteriorating: brokered 88.5%, loans/deposits 104.4%, cash 8.8% of assets.

Cash / Assets
8.84%
Loans / Deposits
104.44%
Brokered %
88.47%

Watch Items

  • riskBrokered deposits above 30% — Brokered 88.5% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 86.9% of deposits (threshold 50%).
  • infoLoans / Deposits above 100% — Loans/Deposits 104.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.73%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.51%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.51%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -24
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.91%, Texas Ratio 21.2%, NCO YTD 3.96%.

Adjusted NPL
3.91%
Govt-guarantees stripped
Texas Ratio
21.2%
NCO YTD
3.96%
30-89 PD
1.38%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.91% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.96% of loans.

Reserves

WatchQoQ -48
52
Sub-score

Reserves are deteriorating: ALLL 2.68% of loans, coverage 70.5%, true coverage 59.9%.

ALLL / Loans
2.68%
Coverage
70.5%
True Loss Coverage
59.9%
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 07:32:31 UTC