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Senath State Bank

IDRSSD: 203052
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q2QoQ -13

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 #203052 2025-Q2 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.32%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 33.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↓ -13 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -45

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.0%, cash 23.2% of assets.

Cash / Assets
23.21%
Loans / Deposits
66.97%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.30%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.05%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.05%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -25
38
Sub-score

Asset quality is weak: Adjusted NPL 4.32%, Texas Ratio 15.2%, NCO YTD -0.01%.

Adjusted NPL
4.32%
Govt-guarantees stripped
Texas Ratio
15.2%
NCO YTD
-0.01%
30-89 PD
2.47%
Band 0.3% / 3.0%
90+ PD
4.32%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.32% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.32%.

Reserves

RiskQoQ -45
32
Sub-score

Reserves are weak: ALLL 1.40% of loans, coverage 33.0%, true coverage 33.0%.

ALLL / Loans
1.40%
Coverage
33.0%
True Loss Coverage
33.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 33.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.0% (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: 2026-05-14 23:15:43 UTC