Liquidity
StrongQoQ +2
91
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 56.6%, cash 5.8% of assets.
- Cash / Assets
- 5.81%
- Loans / Deposits
- 56.57%
- 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-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 +1
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 #24659 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Watch
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↑ +1 ptscomposite
- Liquidity↑ +2
- Securities↑ +11
- Capitalization— —
- Asset Quality↑ +1
- Reserves↓ -10
The five pillars
Securities
WatchQoQ +11
52
Sub-score
Securities profile is deteriorating: securities 34.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 34.46%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 20.02%, CET1 20.02%, leverage 10.02%.
- Tier 1 RBC
- 20.02%
- CET1
- 20.02%
- Leverage
- 10.02%
No watch items at this period.
Asset Quality
StrongQoQ +1
89
Sub-score
Asset quality is strong: Adjusted NPL 1.58%, Texas Ratio 7.7%, NCO YTD 0.00%.
- Adjusted NPL
- 1.58%
- Texas Ratio
- 7.7%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.24%
- 90+ PD
- 0.27%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -10
39
Sub-score
Reserves are weak: ALLL 1.04% of loans, coverage 66.2%, true coverage 66.2%.
- ALLL / Loans
- 1.04%
- Coverage
- 66.2%
- True Loss Coverage
- 66.2%
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