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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-Q3

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

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ +14

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 #203052 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.77%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.3% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +14 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +50
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +3

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.6%, cash 21.4% of assets.

Cash / Assets
21.37%
Loans / Deposits
68.62%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.52%
No watch items at this period.

Capitalization

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 32.53%, CET1 32.53%, leverage 15.61%.

Tier 1 RBC
32.53%
CET1
32.53%
Leverage
15.61%
No watch items at this period.

Asset Quality

WatchQoQ +4
43
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.78%, Texas Ratio 13.0%, NCO YTD -0.07%.

Adjusted NPL
3.78%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
-0.07%
30-89 PD
2.31%
Band 0.3% / 3.0%
90+ PD
3.77%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.78% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.77%.

Reserves

RiskQoQ +3
35
Sub-score

Reserves are weak: ALLL 1.42% of loans, coverage 38.3%, true coverage 38.3%.

ALLL / Loans
1.42%
Coverage
38.3%
True Loss Coverage
38.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.3% (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