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Savibank

IDRSSD: 3346268
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2025-Q2. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q2QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #3346268 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.5% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -22

The five pillars

Liquidity

StableQoQ -2
78
Sub-score

Liquidity is stable: brokered 5.8%, loans/deposits 100.5%, cash 8.5% of assets.

Cash / Assets
8.54%
Loans / Deposits
100.54%
Brokered %
5.76%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +8
51
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.92%, CET1 9.92%, leverage 8.69%.

Tier 1 RBC
9.92%
CET1
9.92%
Leverage
8.69%
No watch items at this period.

Asset Quality

StrongQoQ -6
93
Sub-score

Asset quality is strong: Adjusted NPL 0.97%, Texas Ratio 8.4%, NCO YTD 0.16%.

Adjusted NPL
0.97%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
0.16%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -22
69
Sub-score

Reserves are stable: ALLL 1.16% of loans, coverage 120.7%, true coverage 94.7%.

ALLL / Loans
1.16%
Coverage
120.7%
True Loss Coverage
94.7%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-15 10:07:19 UTC