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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q4QoQ +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-Q4

Bank #636276 2025-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.7% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.22% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +8 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +38

The five pillars

Liquidity

WatchQoQ -3
56
Sub-score

Liquidity is deteriorating: brokered 7.8%, loans/deposits 108.7%, cash 1.2% of assets.

Cash / Assets
1.22%
Loans / Deposits
108.73%
Brokered %
7.75%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.7% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.22% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.08%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.82%, CET1 30.82%, leverage 23.44%.

Tier 1 RBC
30.82%
CET1
30.82%
Leverage
23.44%
No watch items at this period.

Asset Quality

StrongQoQ +13
97
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 1.3%, NCO YTD 0.43%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.43%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +38
84
Sub-score

Reserves are strong: ALLL 1.03% of loans, coverage 235.6%, true coverage 213.0%.

ALLL / Loans
1.03%
Coverage
235.6%
True Loss Coverage
213.0%
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