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IDRSSD: 4845861
Total Assets
—
Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ -13

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

Quarterly Headline

2025-Q2

Bank #4845861 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.2% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.7% (regulatory soft-warning level 50%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.28%.

What changed this quarter

Compared to Q1 2025:
↓ -13 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -53

The five pillars

Liquidity

StrongQoQ +1
81
Sub-score

Liquidity is strong: brokered 6.6%, loans/deposits 100.0%, cash 12.5% of assets.

Cash / Assets
12.52%
Loans / Deposits
100.02%
Brokered %
6.56%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.29%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.71%, CET1 15.71%, leverage 15.03%.

Tier 1 RBC
15.71%
CET1
15.71%
Leverage
15.03%
No watch items at this period.

Asset Quality

StableQoQ -21
73
Sub-score

Asset quality is stable: Adjusted NPL 2.25%, Texas Ratio 12.3%, NCO YTD 0.00%.

Adjusted NPL
2.25%
Govt-guarantees stripped
Texas Ratio
12.3%
NCO YTD
0.00%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
1.28%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.25% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.28%.

Reserves

RiskQoQ -53
21
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 43.7%, true coverage 40.2%.

ALLL / Loans
0.97%
Coverage
43.7%
True Loss Coverage
40.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.2% (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: 2026-05-14 11:01:54 UTC