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Nano Banc

IDRSSD: 3635029
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2026-Q1QoQ +3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #3635029 2026-Q1 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 163.3% (industry watch band 50% / risk band 100%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 10.4% (Adjusted NPL + Performing Mods denominator).
  3. risk
    ALLL / NPL below 50%
    Reserves — Coverage 12.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 25.4%, loans/deposits 62.9%, cash 38.1% of assets.

Cash / Assets
38.08%
Loans / Deposits
62.93%
Brokered %
25.45%
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

WatchQoQ +13
41
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.98%, CET1 9.98%, leverage 5.86%.

Tier 1 RBC
9.98%
CET1
9.98%
Leverage
5.86%
No watch items at this period.

Asset Quality

RiskQoQ 0
33
Sub-score

Asset quality is weak: Adjusted NPL 21.10%, Texas Ratio 163.3%, NCO YTD 0.36%.

Adjusted NPL
21.10%
Govt-guarantees stripped
Texas Ratio
163.3%
NCO YTD
0.36%
30-89 PD
2.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 21.10% (govt-guarantees stripped).
  • riskTexas Ratio above 50% — Texas Ratio 163.3% (industry watch band 50% / risk band 100%).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.55% of loans, coverage 12.4%, true coverage 10.4%.

ALLL / Loans
2.55%
Coverage
12.4%
True Loss Coverage
10.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 12.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 10.4% (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