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Mutual Savings Association

IDRSSD: 636276
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
80
/ 100
StrongAs of 2025-Q2QoQ -8

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 #636276 2025-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.30% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.05%.

What changed this quarter

Compared to Q1 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -37

The five pillars

Liquidity

StableQoQ -2
61
Sub-score

Liquidity is stable: brokered 8.1%, loans/deposits 98.8%, cash 1.3% of assets.

Cash / Assets
1.30%
Loans / Deposits
98.78%
Brokered %
8.06%

Watch Items

  • watchCash / Assets below 3% — Cash 1.30% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.18%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.10%, CET1 33.10%, leverage 24.18%.

Tier 1 RBC
33.10%
CET1
33.10%
Leverage
24.18%
No watch items at this period.

Asset Quality

StrongQoQ -8
84
Sub-score

Asset quality is strong: Adjusted NPL 1.28%, Texas Ratio 3.3%, NCO YTD 0.05%.

Adjusted NPL
1.28%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.05%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
1.05%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.05%.

Reserves

WatchQoQ -37
47
Sub-score

Reserves are deteriorating: ALLL 1.02% of loans, coverage 80.7%, true coverage 77.2%.

ALLL / Loans
1.02%
Coverage
80.7%
True Loss Coverage
77.2%
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 08:33:23 UTC