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Milestone Bank

IDRSSD: 3407084
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
53
/ 100
WatchAs of 2026-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #3407084 2026-Q1 Vital Signs Score: 53/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 84.2% of deposits (threshold 30%).
  2. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 82.5% of deposits (threshold 50%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -3

The five pillars

Liquidity

WatchQoQ +5
45
Sub-score

Liquidity is deteriorating: brokered 84.2%, loans/deposits 99.8%, cash 13.3% of assets.

Cash / Assets
13.28%
Loans / Deposits
99.77%
Brokered %
84.22%

Watch Items

  • riskBrokered deposits above 30% — Brokered 84.2% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 82.5% of deposits (threshold 50%).

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 13.95%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.95%

Watch Items

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

Asset Quality

RiskQoQ -10
36
Sub-score

Asset quality is weak: Adjusted NPL 4.79%, Texas Ratio 23.5%, NCO YTD 2.56%.

Adjusted NPL
4.79%
Govt-guarantees stripped
Texas Ratio
23.5%
NCO YTD
2.56%
30-89 PD
2.43%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.79% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.56% of loans.

Reserves

WatchQoQ -3
49
Sub-score

Reserves are deteriorating: ALLL 2.93% of loans, coverage 63.1%, true coverage 56.3%.

ALLL / Loans
2.93%
Coverage
63.1%
True Loss Coverage
56.3%
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 07:32:31 UTC