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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs 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 #987259 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
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 Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    — —
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +3
97
Sub-score

Liquidity is strong: brokered 0.9%, loans/deposits 74.7%, cash 11.5% of assets.

Cash / Assets
11.46%
Loans / Deposits
74.73%
Brokered %
0.86%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.42%
No watch items at this period.

Capitalization

WatchQoQ -6
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.75%, CET1 10.75%, leverage 7.92%.

Tier 1 RBC
10.75%
CET1
10.75%
Leverage
7.92%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 1.1%, NCO YTD 0.03%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.03%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
86
Sub-score

Reserves are strong: ALLL 1.09% of loans, coverage 828.4%, true coverage 828.4%.

ALLL / Loans
1.09%
Coverage
828.4%
True Loss Coverage
828.4%
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.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