Liquidity
StrongQoQ -4
87
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 61.9%, cash 4.2% of assets.
- Cash / Assets
- 4.20%
- Loans / Deposits
- 61.90%
- 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 — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
65
/ 100
StableAs of 2026-Q1QoQ -14
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2026-Q1
Bank #24659 2026-Q1 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Watch
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q4 2025:
↓ -14 ptscomposite
- Liquidity↓ -4
- Securities↑ +3
- Capitalization↓ -50
- Asset Quality↓ -1
- Reserves↓ -4
The five pillars
Securities
WatchQoQ +3
55
Sub-score
Securities profile is deteriorating: securities 33.6% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 33.65%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -50
50
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 10.05%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 10.05%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ -1
88
Sub-score
Asset quality is strong: Adjusted NPL 1.55%, Texas Ratio 8.0%, NCO YTD 0.00%.
- Adjusted NPL
- 1.55%
- Texas Ratio
- 8.0%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.33%
- 90+ PD
- 0.36%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -4
35
Sub-score
Reserves are weak: ALLL 0.97% of loans, coverage 63.4%, true coverage 63.4%.
- ALLL / Loans
- 0.97%
- Coverage
- 63.4%
- True Loss Coverage
- 63.4%
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: 2026-05-12 00:56:33 UTC