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Quaint Oak Bank

IDRSSD: 815277
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
82
/ 100
StrongAs of 2025-Q1QoQ 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-Q1

Bank #815277 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.4% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +11
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -7
71
Sub-score

Liquidity is stable: brokered 6.2%, loans/deposits 112.4%, cash 7.8% of assets.

Cash / Assets
7.79%
Loans / Deposits
112.42%
Brokered %
6.23%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -4
87
Sub-score

Capital position is strong: Tier 1 RBC 12.67%, CET1 12.67%, leverage 10.38%.

Tier 1 RBC
12.67%
CET1
12.67%
Leverage
10.38%
No watch items at this period.

Asset Quality

StrongQoQ +11
85
Sub-score

Asset quality is strong: Adjusted NPL 1.03%, Texas Ratio 8.2%, NCO YTD 0.28%.

Adjusted NPL
1.03%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.28%
30-89 PD
1.64%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
66
Sub-score

Reserves are stable: ALLL 1.09% of loans, coverage 107.5%, true coverage 107.5%.

ALLL / Loans
1.09%
Coverage
107.5%
True Loss Coverage
107.5%
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: 2026-05-13 01:52:26 UTC