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National Bank Of St Anne

IDRSSD: 760340
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
WatchAs of 2025-Q3QoQ -19

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 #760340 2025-Q3 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.7% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.7% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.02% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -19 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -41
  • Reserves
    ↓ -48

The five pillars

Liquidity

StableQoQ -6
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 93.7%, cash 4.9% of assets.

Cash / Assets
4.88%
Loans / Deposits
93.69%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.52%
No watch items at this period.

Capitalization

WatchQoQ -1
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.36%, CET1 10.36%, leverage 9.00%.

Tier 1 RBC
10.36%
CET1
10.36%
Leverage
9.00%
No watch items at this period.

Asset Quality

WatchQoQ -41
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.02%, Texas Ratio 25.1%, NCO YTD 0.00%.

Adjusted NPL
3.02%
Govt-guarantees stripped
Texas Ratio
25.1%
NCO YTD
0.00%
30-89 PD
2.00%
Band 0.3% / 3.0%
90+ PD
1.99%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.02% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.99%.

Reserves

RiskQoQ -48
20
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 34.7%, true coverage 34.7%.

ALLL / Loans
1.04%
Coverage
34.7%
True Loss Coverage
34.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.7% (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: 2026-05-12 16:25:42 UTC