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Scribner Bank

IDRSSD: 711753
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
87
/ 100
StrongAs of 2025-Q1QoQ -9

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 #711753 2025-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.94%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.14% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -9 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ -30

The five pillars

Liquidity

StrongQoQ 0
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 77.9%, cash 17.8% of assets.

Cash / Assets
17.83%
Loans / Deposits
77.95%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.32%, CET1 21.32%, leverage 15.40%.

Tier 1 RBC
21.32%
CET1
21.32%
Leverage
15.40%
No watch items at this period.

Asset Quality

StableQoQ -20
70
Sub-score

Asset quality is stable: Adjusted NPL 2.14%, Texas Ratio 8.4%, NCO YTD -0.05%.

Adjusted NPL
2.14%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
-0.05%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
1.94%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.14% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.94%.

Reserves

StableQoQ -30
67
Sub-score

Reserves are stable: ALLL 1.77% of loans, coverage 84.1%, true coverage 84.1%.

ALLL / Loans
1.77%
Coverage
84.1%
True Loss Coverage
84.1%
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: 2026-05-14 16:58:22 UTC