Liquidity
StrongQoQ -2
95
Sub-score
Liquidity is strong: brokered 0.9%, loans/deposits 76.2%, cash 9.3% of assets.
- Cash / Assets
- 9.30%
- Loans / Deposits
- 76.20%
- Brokered %
- 0.90%
No watch items at this period.
Sandhills State Bank
IDRSSD: 987259
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
88
/ 100
StrongAs of 2026-Q1QoQ +1
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 #987259 2026-Q1 Vital Signs Score: 88/100 — 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 2025:
↑ +1 ptscomposite
- Liquidity↓ -2
- Securities— —
- Capitalization↑ +5
- Asset Quality— —
- Reserves↑ +1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 2.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 2.53%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +5
62
Sub-score
Capital position is stable: Tier 1 RBC 11.10%, CET1 11.10%, leverage 8.21%.
- Tier 1 RBC
- 11.10%
- CET1
- 11.10%
- Leverage
- 8.21%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 1.0%, NCO YTD -0.03%.
- Adjusted NPL
- 0.13%
- Texas Ratio
- 1.0%
- NCO YTD
- -0.03%
- 30-89 PD
- 0.10%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +1
88
Sub-score
Reserves are strong: ALLL 1.13% of loans, coverage 860.9%, true coverage 860.9%.
- ALLL / Loans
- 1.13%
- Coverage
- 860.9%
- True Loss Coverage
- 860.9%
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: 2026-05-14 16:31:24 UTC