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Mutualone Bank

IDRSSD: 154770
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-Q3QoQ -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-Q3

Bank #154770 2025-Q3 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.6% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.73% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ +2
59
Sub-score

Liquidity is deteriorating: brokered 13.9%, loans/deposits 115.6%, cash 4.7% of assets.

Cash / Assets
4.66%
Loans / Deposits
115.56%
Brokered %
13.92%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.42%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 21.01%.

Tier 1 RBC
—
CET1
0.00%
Leverage
21.01%

Watch Items

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

Asset Quality

WatchQoQ -20
40
Sub-score

Asset quality is deteriorating: Adjusted NPL 8.73%, Texas Ratio 30.2%, NCO YTD 3.54%.

Adjusted NPL
8.73%
Govt-guarantees stripped
Texas Ratio
30.2%
NCO YTD
3.54%
30-89 PD
1.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.73% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.54% of loans.

Reserves

RiskQoQ 0
37
Sub-score

Reserves are weak: ALLL 3.36% of loans, coverage 39.8%, true coverage 37.9%.

ALLL / Loans
3.36%
Coverage
39.8%
True Loss Coverage
37.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.9% (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