Visbanking Logo
Skip to main content

Na

IDRSSD: 2960788
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
60
/ 100
StableAs of 2025-Q3QoQ 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-Q3

Bank #2960788 2025-Q3 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
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.00% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.04% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ 0
50
Sub-score

Liquidity is deteriorating: cash 1.0% of assets.

Cash / Assets
1.04%
Loans / Deposits
—
Brokered %
—

Watch Items

  • watchCash / Assets below 3% — Cash 1.04% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 75.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
75.90%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 878.29%, CET1 878.29%, leverage 97.41%.

Tier 1 RBC
878.29%
CET1
878.29%
Leverage
97.41%
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 09:56:55 UTC