Liquidity
StableQoQ +8
75
Sub-score
Liquidity is stable: brokered 7.6%, loans/deposits 99.2%, cash 7.5% of assets.
- Cash / Assets
- 7.47%
- Loans / Deposits
- 99.18%
- Brokered %
- 7.62%
No watch items at this period.
Sanibel Captiva Community Bank
IDRSSD: 3122994
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
76
/ 100
StableAs of 2025-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
2025-Q1
Bank #3122994 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↑ +1 ptscomposite
- Liquidity↑ +8
- Securities— —
- Capitalization↑ +3
- Asset Quality↑ 0
- Reserves↓ -6
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 4.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 4.01%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +3
68
Sub-score
Capital position is stable: Tier 1 RBC 11.44%, CET1 11.44%, leverage 8.73%.
- Tier 1 RBC
- 11.44%
- CET1
- 11.44%
- Leverage
- 8.73%
No watch items at this period.
Asset Quality
StrongQoQ 0
90
Sub-score
Asset quality is strong: Adjusted NPL 0.98%, Texas Ratio 8.8%, NCO YTD 0.26%.
- Adjusted NPL
- 0.98%
- Texas Ratio
- 8.8%
- NCO YTD
- 0.26%
- 30-89 PD
- 0.70%
- 90+ PD
- 0.25%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ -6
42
Sub-score
Reserves are deteriorating: ALLL 0.97% of loans, coverage 99.8%, true coverage 62.8%.
- ALLL / Loans
- 0.97%
- Coverage
- 99.8%
- True Loss Coverage
- 62.8%
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.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 03:41:27 UTC