Liquidity
StrongQoQ -2
92
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 52.9%, cash 6.5% of assets.
- Cash / Assets
- 6.49%
- Loans / Deposits
- 52.91%
- Brokered %
- 0.00%
No watch items at this period.
Produce State Bank
IDRSSD: 24659
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
80
/ 100
StableAs of 2025-Q1QoQ -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-Q1
Bank #24659 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).
Liquidity:Strong
Securities:Watch
Capitalization:Strong
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 Q4 2024:
↓ -2 ptscomposite
- Liquidity↓ -2
- Securities↓ -11
- Capitalization↓ 0
- Asset Quality↓ 0
- Reserves↑ 0
The five pillars
Securities
WatchQoQ -11
40
Sub-score
Securities profile is deteriorating: securities 38.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 37.96%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ 0
99
Sub-score
Capital position is strong: Tier 1 RBC 21.66%, CET1 21.66%, leverage 9.83%.
- Tier 1 RBC
- 21.66%
- CET1
- 21.66%
- Leverage
- 9.83%
No watch items at this period.
Asset Quality
StrongQoQ 0
89
Sub-score
Asset quality is strong: Adjusted NPL 1.35%, Texas Ratio 6.1%, NCO YTD -0.04%.
- Adjusted NPL
- 1.35%
- Texas Ratio
- 6.1%
- NCO YTD
- -0.04%
- 30-89 PD
- 0.68%
- 90+ PD
- 0.23%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ 0
55
Sub-score
Reserves are deteriorating: ALLL 1.13% of loans, coverage 84.7%, true coverage 84.7%.
- ALLL / Loans
- 1.13%
- Coverage
- 84.7%
- True Loss Coverage
- 84.7%
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: 2026-05-12 00:56:33 UTC