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Mount Vernon Bank

IDRSSD: 807432
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
66
/ 100
StableAs of 2025-Q4QoQ -17

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 #807432 2025-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.09%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.09% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -17 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -39
  • Reserves
    ↓ -50

The five pillars

Liquidity

StrongQoQ -1
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.8%, cash 9.7% of assets.

Cash / Assets
9.65%
Loans / Deposits
69.83%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ 0
49
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.92%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.92%

Watch Items

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

Asset Quality

WatchQoQ -39
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.09%, Texas Ratio 12.4%, NCO YTD 0.00%.

Adjusted NPL
2.09%
Govt-guarantees stripped
Texas Ratio
12.4%
NCO YTD
0.00%
30-89 PD
6.91%
Band 0.3% / 3.0%
90+ PD
2.09%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.09% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.09%.

Reserves

RiskQoQ -50
39
Sub-score

Reserves are weak: ALLL 1.22% of loans, coverage 59.0%, true coverage 57.8%.

ALLL / Loans
1.22%
Coverage
59.0%
True Loss Coverage
57.8%
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 14:46:58 UTC