Liquidity
StableQoQ -7
65
Sub-score
Liquidity is stable: brokered 13.2%, loans/deposits 93.2%, cash 3.3% of assets.
- Cash / Assets
- 3.32%
- Loans / Deposits
- 93.21%
- Brokered %
- 13.23%
No watch items at this period.
Security Bank And Trust Company
IDRSSD: 19356
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
76
/ 100
StableAs of 2026-Q1QoQ -1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2026-Q1
Bank #19356 2026-Q1 Vital Signs Score: 76/100 — 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
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2025:
↓ -1 ptscomposite
- Liquidity↓ -7
- Securities— —
- Capitalization↑ +2
- Asset Quality↑ +9
- Reserves↓ -14
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +2
55
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.31%, CET1 10.31%, leverage 8.58%.
- Tier 1 RBC
- 10.31%
- CET1
- 10.31%
- Leverage
- 8.58%
No watch items at this period.
Asset Quality
StrongQoQ +9
87
Sub-score
Asset quality is strong: Adjusted NPL 1.45%, Texas Ratio 12.3%, NCO YTD 0.01%.
- Adjusted NPL
- 1.45%
- Texas Ratio
- 12.3%
- NCO YTD
- 0.01%
- 30-89 PD
- 0.77%
- 90+ PD
- 0.20%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -14
79
Sub-score
Reserves are stable: ALLL 1.53% of loans, coverage 107.0%, true coverage 102.6%.
- ALLL / Loans
- 1.53%
- Coverage
- 107.0%
- True Loss Coverage
- 102.6%
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.tsfor 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