Liquidity
StrongQoQ +7
84
Sub-score
Liquidity is strong: cash 7.1% of assets.
- Cash / Assets
- 7.11%
- Loans / Deposits
- —
- Brokered %
- —
No watch items at this period.
Na
IDRSSD: 4397164
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
67
/ 100
StableAs of 2025-Q4QoQ +1
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 #4397164 2025-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).
Liquidity:Strong
Securities:Risk
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
- riskALLL / Loans below 0.75%Reserves — ALLL 0.00% of loans.
What changed this quarter
Compared to Q3 2025:
↑ +1 ptscomposite
- Liquidity↑ +7
- Securities— —
- Capitalization— —
- Asset Quality— —
- Reserves— —
The five pillars
Securities
Risk
0
Sub-score
Securities profile is weak: securities 57.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 57.66%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 193.37%, CET1 193.37%, leverage 69.88%.
- Tier 1 RBC
- 193.37%
- CET1
- 193.37%
- Leverage
- 69.88%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Texas Ratio 0.0%.
- Adjusted NPL
- —
- Texas Ratio
- 0.0%
- NCO YTD
- —
- 30-89 PD
- —
- 90+ PD
- —
Govt-guarantees stripped
Band 0.3% / 3.0%
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.tsfor 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 11:23:11 UTC