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Seattle Bank

IDRSSD: 2838207
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
74
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #2838207 2025-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.81% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.8% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +11
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.1%, cash 13.9% of assets.

Cash / Assets
13.92%
Loans / Deposits
88.06%
Brokered %
0.00%
No watch items at this period.

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

StrongQoQ +6
83
Sub-score

Capital position is strong: Tier 1 RBC 12.55%, CET1 12.55%, leverage 9.32%.

Tier 1 RBC
12.55%
CET1
12.55%
Leverage
9.32%
No watch items at this period.

Asset Quality

WatchQoQ -6
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.81%, Texas Ratio 34.5%, NCO YTD 0.83%.

Adjusted NPL
4.81%
Govt-guarantees stripped
Texas Ratio
34.5%
NCO YTD
0.83%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.81% (govt-guarantees stripped).

Reserves

WatchQoQ -6
43
Sub-score

Reserves are deteriorating: ALLL 2.34% of loans, coverage 49.8%, true coverage 49.8%.

ALLL / Loans
2.34%
Coverage
49.8%
True Loss Coverage
49.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.8% (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 13:40:58 UTC