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New Carlisle Federal Savings Bank

IDRSSD: 646873
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
62
/ 100
StableAs of 2025-Q3QoQ 0

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 #646873 2025-Q3 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.7% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +2
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 106.7%, cash 3.4% of assets.

Cash / Assets
3.37%
Loans / Deposits
106.66%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.7% (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
0.46%
No watch items at this period.

Capitalization

WatchQoQ -5
44
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.47%, CET1 9.47%, leverage 8.25%.

Tier 1 RBC
9.47%
CET1
9.47%
Leverage
8.25%
No watch items at this period.

Asset Quality

StableQoQ +3
76
Sub-score

Asset quality is stable: Adjusted NPL 1.99%, Texas Ratio 19.0%, NCO YTD 0.05%.

Adjusted NPL
1.99%
Govt-guarantees stripped
Texas Ratio
19.0%
NCO YTD
0.05%
30-89 PD
1.40%
Band 0.3% / 3.0%
90+ PD
0.36%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +3
22
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 47.3%, true coverage 44.9%.

ALLL / Loans
0.93%
Coverage
47.3%
True Loss Coverage
44.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.9% (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