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Savers Co Operative Bank

IDRSSD: 1002373
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
60
/ 100
StableAs of 2025-Q4QoQ -8

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 #1002373 2025-Q4 Vital Signs Score: 60/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.0% (threshold 100%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.25% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -28

The five pillars

Liquidity

WatchQoQ -1
57
Sub-score

Liquidity is deteriorating: brokered 5.4%, loans/deposits 110.0%, cash 1.3% of assets.

Cash / Assets
1.25%
Loans / Deposits
109.97%
Brokered %
5.40%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.25% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.04%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.04%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.04%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -15
69
Sub-score

Asset quality is stable: Adjusted NPL 2.52%, Texas Ratio 16.0%, NCO YTD 1.35%.

Adjusted NPL
2.52%
Govt-guarantees stripped
Texas Ratio
16.0%
NCO YTD
1.35%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.52% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.35% of loans.

Reserves

RiskQoQ -28
26
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 44.6%, true coverage 42.1%.

ALLL / Loans
1.11%
Coverage
44.6%
True Loss Coverage
42.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.1% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 04:02:52 UTC