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IDRSSD: 2597223
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
60
/ 100
StableAs of 2025-Q4

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 #2597223 2025-Q4 Vital Signs Score: 60/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.03% of assets (threshold 3%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.00% of loans.

What changed this quarter

Compared to Q3 2025:
— — ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

Watch
50
Sub-score

Liquidity is deteriorating: cash 0.0% of assets.

Cash / Assets
0.03%
Loans / Deposits
—
Brokered %
—

Watch Items

  • riskCash / Assets below 3% — Cash 0.03% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 66.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
66.21%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 253.18%, CET1 253.18%, leverage 82.09%.

Tier 1 RBC
253.18%
CET1
253.18%
Leverage
82.09%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Texas Ratio 0.0%.

Adjusted NPL
—
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
—
30-89 PD
—
Band 0.3% / 3.0%
90+ PD
—
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.00% of loans.

ALLL / Loans
0.00%
Coverage
—
True Loss Coverage
—

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.00% of loans.

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: 2026-05-15 09:41:55 UTC