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Monroe Savings Bank

IDRSSD: 927077
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q3QoQ +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-Q3

Bank #927077 2025-Q3 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.9% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 104.9%, cash 12.1% of assets.

Cash / Assets
12.14%
Loans / Deposits
104.93%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.43%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.25%, CET1 23.25%, leverage 13.85%.

Tier 1 RBC
23.25%
CET1
23.25%
Leverage
13.85%
No watch items at this period.

Asset Quality

StrongQoQ +4
89
Sub-score

Asset quality is strong: Adjusted NPL 0.63%, Texas Ratio 3.5%, NCO YTD 0.00%.

Adjusted NPL
0.63%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
0.00%
30-89 PD
1.83%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
78
Sub-score

Reserves are stable: ALLL 1.05% of loans, coverage 168.1%, true coverage 168.1%.

ALLL / Loans
1.05%
Coverage
168.1%
True Loss Coverage
168.1%
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: 2026-05-13 08:37:39 UTC