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Sandhills State Bank

IDRSSD: 987259
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
85
/ 100
StrongAs of 2025-Q1QoQ +4

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 #987259 2025-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +18
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +18
85
Sub-score

Liquidity is strong: brokered 1.8%, loans/deposits 82.7%, cash 6.8% of assets.

Cash / Assets
6.82%
Loans / Deposits
82.69%
Brokered %
1.78%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.58%
No watch items at this period.

Capitalization

StableQoQ +4
62
Sub-score

Capital position is stable: Tier 1 RBC 10.97%, CET1 10.97%, leverage 8.63%.

Tier 1 RBC
10.97%
CET1
10.97%
Leverage
8.63%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.8%, NCO YTD 0.00%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
0.00%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
84
Sub-score

Reserves are strong: ALLL 1.03% of loans, coverage 1029.8%, true coverage 1029.8%.

ALLL / Loans
1.03%
Coverage
1029.8%
True Loss Coverage
1029.8%
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: 2026-05-14 16:31:24 UTC