Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 41.9%, cash 14.8% of assets.
- Cash / Assets
- 14.76%
- Loans / Deposits
- 41.89%
- Brokered %
- 0.00%
No watch items at this period.
Miners And Merchants Bank
IDRSSD: 913436
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
59
/ 100
WatchAs of 2025-Q2QoQ +1
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 #913436 2025-Q2 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Risk
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
- infoALLL / Loans below 0.75%Reserves — ALLL 0.61% of loans.
What changed this quarter
Compared to Q1 2025:
↑ +1 ptscomposite
- Liquidity— —
- Securities↑ +4
- Capitalization— —
- Asset Quality↑ +5
- Reserves↓ -7
The five pillars
Securities
RiskQoQ +4
16
Sub-score
Securities profile is weak: securities 45.1% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 45.05%
SVB watch metric
No watch items at this period.
Capitalization
Watch
50
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 13.59%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 13.59%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ +5
88
Sub-score
Asset quality is strong: Adjusted NPL 1.14%, Texas Ratio 3.0%, NCO YTD -0.02%.
- Adjusted NPL
- 1.14%
- Texas Ratio
- 3.0%
- NCO YTD
- -0.02%
- 30-89 PD
- 1.21%
- 90+ PD
- 0.21%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -7
16
Sub-score
Reserves are weak: ALLL 0.61% of loans, coverage 53.6%, true coverage 53.6%.
- ALLL / Loans
- 0.61%
- Coverage
- 53.6%
- True Loss Coverage
- 53.6%
Watch Items
- infoALLL / Loans below 0.75% — ALLL 0.61% of loans.
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.tsfor 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: 2026-05-15 08:39:07 UTC