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Sandy Spring Bank

IDRSSD: 506922
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
79
/ 100
StableAs of 2025-Q1QoQ -5

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 #506922 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.96% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.2% (threshold 100%).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.19% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ -4
65
Sub-score

Liquidity is stable: brokered 3.5%, loans/deposits 100.2%, cash 2.0% of assets.

Cash / Assets
1.96%
Loans / Deposits
100.21%
Brokered %
3.49%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.96% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.14%
No watch items at this period.

Capitalization

StrongQoQ +1
96
Sub-score

Capital position is strong: Tier 1 RBC 13.96%, CET1 13.96%, leverage 11.35%.

Tier 1 RBC
13.96%
CET1
13.96%
Leverage
11.35%
No watch items at this period.

Asset Quality

StrongQoQ -10
83
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 6.7%, NCO YTD 1.19%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
1.19%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.19% of loans.

Reserves

WatchQoQ -14
45
Sub-score

Reserves are deteriorating: ALLL 1.00% of loans, coverage 100.2%, true coverage 64.9%.

ALLL / Loans
1.00%
Coverage
100.2%
True Loss Coverage
64.9%
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.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: 2026-05-15 07:52:05 UTC