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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #815277 2025-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.9% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ 0
71
Sub-score

Liquidity is stable: brokered 5.9%, loans/deposits 110.9%, cash 7.6% of assets.

Cash / Assets
7.59%
Loans / Deposits
110.94%
Brokered %
5.94%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.9% (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 -2
85
Sub-score

Capital position is strong: Tier 1 RBC 12.49%, CET1 12.49%, leverage 10.40%.

Tier 1 RBC
12.49%
CET1
12.49%
Leverage
10.40%
No watch items at this period.

Asset Quality

StableQoQ -5
80
Sub-score

Asset quality is stable: Adjusted NPL 0.99%, Texas Ratio 8.1%, NCO YTD 0.35%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
8.1%
NCO YTD
0.35%
30-89 PD
2.35%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
64
Sub-score

Reserves are stable: ALLL 1.05% of loans, coverage 106.6%, true coverage 106.6%.

ALLL / Loans
1.05%
Coverage
106.6%
True Loss Coverage
106.6%
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