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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #636276 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.97% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.4% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -30

The five pillars

Liquidity

WatchQoQ +2
58
Sub-score

Liquidity is deteriorating: brokered 6.6%, loans/deposits 104.4%, cash 1.0% of assets.

Cash / Assets
0.97%
Loans / Deposits
104.37%
Brokered %
6.56%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.4% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.97% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.96%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 31.87%, CET1 31.87%, leverage 23.12%.

Tier 1 RBC
31.87%
CET1
31.87%
Leverage
23.12%
No watch items at this period.

Asset Quality

StrongQoQ -8
89
Sub-score

Asset quality is strong: Adjusted NPL 1.17%, Texas Ratio 3.3%, NCO YTD -0.03%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
-0.03%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.72%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -30
55
Sub-score

Reserves are deteriorating: ALLL 1.05% of loans, coverage 90.7%, true coverage 87.3%.

ALLL / Loans
1.05%
Coverage
90.7%
True Loss Coverage
87.3%
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