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Produce State Bank

IDRSSD: 24659
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #24659 2025-Q3 Vital Signs Score: 78/100 — 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 Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +7
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.4%, cash 4.8% of assets.

Cash / Assets
4.78%
Loans / Deposits
56.43%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +7
40
Sub-score

Securities profile is deteriorating: securities 37.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
37.88%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.86%, CET1 20.86%, leverage 10.04%.

Tier 1 RBC
20.86%
CET1
20.86%
Leverage
10.04%
No watch items at this period.

Asset Quality

StrongQoQ -4
88
Sub-score

Asset quality is strong: Adjusted NPL 1.42%, Texas Ratio 6.6%, NCO YTD 0.00%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
0.00%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
49
Sub-score

Reserves are deteriorating: ALLL 1.10% of loans, coverage 78.1%, true coverage 78.1%.

ALLL / Loans
1.10%
Coverage
78.1%
True Loss Coverage
78.1%
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.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: 2026-05-12 00:56:33 UTC