Visbanking Logo
Skip to main content

Mutualone Bank

IDRSSD: 154770
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
60
/ 100
WatchAs of 2025-Q2QoQ 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-Q2

Bank #154770 2025-Q2 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 120.9% (threshold 100%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.08% (govt-guarantees stripped).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ +3
56
Sub-score

Liquidity is deteriorating: brokered 12.3%, loans/deposits 120.9%, cash 3.1% of assets.

Cash / Assets
3.06%
Loans / Deposits
120.86%
Brokered %
12.28%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 120.9% (threshold 100%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.04%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.04%

Watch Items

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

Asset Quality

StableQoQ -3
61
Sub-score

Asset quality is stable: Adjusted NPL 10.08%, Texas Ratio 35.4%, NCO YTD 0.20%.

Adjusted NPL
10.08%
Govt-guarantees stripped
Texas Ratio
35.4%
NCO YTD
0.20%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.08% (govt-guarantees stripped).

Reserves

RiskQoQ +3
37
Sub-score

Reserves are weak: ALLL 4.08% of loans, coverage 42.2%, true coverage 38.7%.

ALLL / Loans
4.08%
Coverage
42.2%
True Loss Coverage
38.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.7% (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: 2026-05-13 04:01:12 UTC