Visbanking Logo
Skip to main content

Security Bank And Trust Company

IDRSSD: 19356
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q3QoQ -6

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

Quarterly Headline

2025-Q3

Bank #19356 2025-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.55% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ -2
64
Sub-score

Liquidity is stable: brokered 16.6%, loans/deposits 86.2%, cash 2.5% of assets.

Cash / Assets
2.55%
Loans / Deposits
86.16%
Brokered %
16.61%

Watch Items

  • infoCash / Assets below 3% — Cash 2.55% 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
0.00%
No watch items at this period.

Capitalization

WatchQoQ +2
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.30%, CET1 10.30%, leverage 8.28%.

Tier 1 RBC
10.30%
CET1
10.30%
Leverage
8.28%
No watch items at this period.

Asset Quality

StableQoQ -19
76
Sub-score

Asset quality is stable: Adjusted NPL 1.08%, Texas Ratio 9.1%, NCO YTD 0.36%.

Adjusted NPL
1.08%
Govt-guarantees stripped
Texas Ratio
9.1%
NCO YTD
0.36%
30-89 PD
2.95%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -9
85
Sub-score

Reserves are strong: ALLL 1.48% of loans, coverage 138.2%, true coverage 130.2%.

ALLL / Loans
1.48%
Coverage
138.2%
True Loss Coverage
130.2%
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: 2026-05-15 01:14:23 UTC