Visbanking Logo
Skip to main content

New Carlisle Federal Savings Bank

IDRSSD: 646873
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2025-Q1QoQ -6

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

Quarterly Headline

2025-Q1

Bank #646873 2025-Q1 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.1% (threshold 100%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 40.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 115.1%, cash 4.1% of assets.

Cash / Assets
4.08%
Loans / Deposits
115.12%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.49%
No watch items at this period.

Capitalization

WatchQoQ -3
47
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.68%, CET1 9.68%, leverage 8.37%.

Tier 1 RBC
9.68%
CET1
9.68%
Leverage
8.37%
No watch items at this period.

Asset Quality

StableQoQ -12
63
Sub-score

Asset quality is stable: Adjusted NPL 2.31%, Texas Ratio 21.6%, NCO YTD 0.01%.

Adjusted NPL
2.31%
Govt-guarantees stripped
Texas Ratio
21.6%
NCO YTD
0.01%
30-89 PD
3.17%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.31% (govt-guarantees stripped).

Reserves

RiskQoQ -12
18
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 40.7%, true coverage 38.4%.

ALLL / Loans
0.93%
Coverage
40.7%
True Loss Coverage
38.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.4% (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: 2026-05-13 06:56:24 UTC