Liquidity
StableQoQ -2
68
Sub-score
Liquidity is stable: brokered 16.4%, loans/deposits 95.4%, cash 6.3% of assets.
- Cash / Assets
- 6.32%
- Loans / Deposits
- 95.42%
- Brokered %
- 16.39%
No watch items at this period.
Open Bank
IDRSSD: 3357219
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
79
/ 100
StableAs of 2025-Q4QoQ +2
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 #3357219 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↑ +2 ptscomposite
- Liquidity↓ -2
- Securities— —
- Capitalization↑ +17
- Asset Quality↓ -3
- Reserves↓ -6
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +17
80
Sub-score
Capital position is stable: Tier 1 RBC 12.05%, CET1 12.05%, leverage 9.91%.
- Tier 1 RBC
- 12.05%
- CET1
- 12.05%
- Leverage
- 9.91%
No watch items at this period.
Asset Quality
StrongQoQ -3
89
Sub-score
Asset quality is strong: Adjusted NPL 1.61%, Texas Ratio 12.1%, NCO YTD -0.03%.
- Adjusted NPL
- 1.61%
- Texas Ratio
- 12.1%
- NCO YTD
- -0.03%
- 30-89 PD
- 0.44%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ -6
52
Sub-score
Reserves are deteriorating: ALLL 1.27% of loans, coverage 79.9%, true coverage 71.4%.
- ALLL / Loans
- 1.27%
- Coverage
- 79.9%
- True Loss Coverage
- 71.4%
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: 2026-05-14 05:56:20 UTC