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Minnstar Bank National Association

IDRSSD: 89854
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
94
/ 100
StrongAs of 2025-Q4QoQ -3

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 #89854 2025-Q4 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.04% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
82
Sub-score

Liquidity is strong: brokered 4.2%, loans/deposits 92.0%, cash 8.1% of assets.

Cash / Assets
8.15%
Loans / Deposits
92.01%
Brokered %
4.17%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.74%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.77%, CET1 14.77%, leverage 11.20%.

Tier 1 RBC
14.77%
CET1
14.77%
Leverage
11.20%
No watch items at this period.

Asset Quality

StrongQoQ -8
92
Sub-score

Asset quality is strong: Adjusted NPL 0.41%, Texas Ratio 2.7%, NCO YTD 1.04%.

Adjusted NPL
0.41%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
1.04%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.04% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.50% of loans, coverage 374.0%, true coverage 374.0%.

ALLL / Loans
1.50%
Coverage
374.0%
True Loss Coverage
374.0%
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: 2026-05-12 10:06:21 UTC