Liquidity
StrongQoQ +7
86
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 90.0%, cash 8.1% of assets.
- Cash / Assets
- 8.09%
- Loans / Deposits
- 89.98%
- Brokered %
- 0.00%
No watch items at this period.
National Bank Of St Anne
IDRSSD: 760340
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
75
/ 100
StableAs of 2026-Q1QoQ +8
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 #760340 2026-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2025:
↑ +8 ptscomposite
- Liquidity↑ +7
- Securities— —
- Capitalization↓ -3
- Asset Quality↑ +20
- Reserves↑ +18
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 2.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 2.41%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ -3
67
Sub-score
Capital position is stable: Tier 1 RBC 11.25%, CET1 11.25%, leverage 9.01%.
- Tier 1 RBC
- 11.25%
- CET1
- 11.25%
- Leverage
- 9.01%
No watch items at this period.
Asset Quality
StableQoQ +20
76
Sub-score
Asset quality is stable: Adjusted NPL 1.49%, Texas Ratio 12.3%, NCO YTD 0.00%.
- Adjusted NPL
- 1.49%
- Texas Ratio
- 12.3%
- NCO YTD
- 0.00%
- 30-89 PD
- 1.80%
- 90+ PD
- 0.74%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +18
46
Sub-score
Reserves are deteriorating: ALLL 1.09% of loans, coverage 74.3%, true coverage 74.3%.
- ALLL / Loans
- 1.09%
- Coverage
- 74.3%
- True Loss Coverage
- 74.3%
No watch items at this period.
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: 2026-05-12 16:25:42 UTC