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Mountainone Bank

IDRSSD: 97804
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
85
/ 100
StrongAs of 2025-Q4QoQ 0

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 #97804 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.80% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.8% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ -2
56
Sub-score

Liquidity is deteriorating: brokered 15.5%, loans/deposits 100.8%, cash 1.8% of assets.

Cash / Assets
1.80%
Loans / Deposits
100.76%
Brokered %
15.50%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.8% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.80% of assets (threshold 3%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.63%, CET1 16.63%, leverage 14.36%.

Tier 1 RBC
16.63%
CET1
16.63%
Leverage
14.36%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 1.4%, NCO YTD 0.04%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.04%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +1
58
Sub-score

Reserves are deteriorating: ALLL 1.04% of loans, coverage 373.5%, true coverage 43.0%.

ALLL / Loans
1.04%
Coverage
373.5%
True Loss Coverage
43.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.0% (Adjusted NPL + Performing Mods denominator).

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 19:40:10 UTC