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Nano Banc

IDRSSD: 3635029
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
72
/ 100
StableAs of 2025-Q2QoQ -17

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 #3635029 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.54% (govt-guarantees stripped).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.43% of loans.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -17 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -23
  • Reserves
    ↓ -65

The five pillars

Liquidity

StrongQoQ -6
83
Sub-score

Liquidity is strong: brokered 23.0%, loans/deposits 73.6%, cash 23.5% of assets.

Cash / Assets
23.50%
Loans / Deposits
73.62%
Brokered %
23.04%
No watch items at this period.

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.44%, CET1 15.44%, leverage 10.13%.

Tier 1 RBC
15.44%
CET1
15.44%
Leverage
10.13%
No watch items at this period.

Asset Quality

WatchQoQ -23
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 10.54%, Texas Ratio 53.9%, NCO YTD 6.43%.

Adjusted NPL
10.54%
Govt-guarantees stripped
Texas Ratio
53.9%
NCO YTD
6.43%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.54% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 53.9% (industry watch band 50% / risk band 100%).
  • riskNet charge-offs elevated — NCO YTD 6.43% of loans.

Reserves

RiskQoQ -65
35
Sub-score

Reserves are weak: ALLL 3.33% of loans, coverage 32.7%, true coverage 32.7%.

ALLL / Loans
3.33%
Coverage
32.7%
True Loss Coverage
32.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.7% (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: 2026-05-14 09:13:22 UTC