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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #646873 2025-Q4 Vital Signs Score: 58/100 — 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. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.0% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.3% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -2
65
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 110.0%, cash 3.1% of assets.

Cash / Assets
3.08%
Loans / Deposits
110.01%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.0% (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 +1
45
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.59%, CET1 9.59%, leverage 8.25%.

Tier 1 RBC
9.59%
CET1
9.59%
Leverage
8.25%
No watch items at this period.

Asset Quality

StableQoQ -9
67
Sub-score

Asset quality is stable: Adjusted NPL 1.48%, Texas Ratio 14.4%, NCO YTD 1.35%.

Adjusted NPL
1.48%
Govt-guarantees stripped
Texas Ratio
14.4%
NCO YTD
1.35%
30-89 PD
2.29%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.35% of loans.

Reserves

RiskQoQ -6
15
Sub-score

Reserves are weak: ALLL 0.73% of loans, coverage 49.5%, true coverage 46.3%.

ALLL / Loans
0.73%
Coverage
49.5%
True Loss Coverage
46.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.3% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.73% of loans.

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