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Mrv Banks

IDRSSD: 3482111
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
54
/ 100
WatchAs of 2025-Q2QoQ -5

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 #3482111 2025-Q2 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 12.93% of loans.
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.96% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -11
66
Sub-score

Liquidity is stable: brokered 12.2%, loans/deposits 99.4%, cash 5.1% of assets.

Cash / Assets
5.12%
Loans / Deposits
99.36%
Brokered %
12.23%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.62%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.71%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.71%

Watch Items

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

Asset Quality

RiskQoQ -10
33
Sub-score

Asset quality is weak: Adjusted NPL 7.96%, Texas Ratio 44.7%, NCO YTD 12.93%.

Adjusted NPL
7.96%
Govt-guarantees stripped
Texas Ratio
44.7%
NCO YTD
12.93%
30-89 PD
1.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.96% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 12.93% of loans.

Reserves

RiskQoQ -1
33
Sub-score

Reserves are weak: ALLL 2.26% of loans, coverage 29.1%, true coverage 25.4%.

ALLL / Loans
2.26%
Coverage
29.1%
True Loss Coverage
25.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.4% (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 09:17:06 UTC