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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2026-Q1QoQ +1

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 #646873 2026-Q1 Vital Signs Score: 60/100 — 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 106.2% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +1
66
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 106.2%, cash 2.9% of assets.

Cash / Assets
2.88%
Loans / Deposits
106.23%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.2% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.88% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.13%
No watch items at this period.

Capitalization

WatchQoQ -2
43
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.42%, CET1 9.42%, leverage 8.17%.

Tier 1 RBC
9.42%
CET1
9.42%
Leverage
8.17%
No watch items at this period.

Asset Quality

StableQoQ +6
73
Sub-score

Asset quality is stable: Adjusted NPL 1.58%, Texas Ratio 15.4%, NCO YTD 0.04%.

Adjusted NPL
1.58%
Govt-guarantees stripped
Texas Ratio
15.4%
NCO YTD
0.04%
30-89 PD
3.52%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
17
Sub-score

Reserves are weak: ALLL 0.78% of loans, coverage 49.6%, true coverage 46.1%.

ALLL / Loans
0.78%
Coverage
49.6%
True Loss Coverage
46.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.1% (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