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Sibley State Bank

IDRSSD: 598543
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
88
/ 100
StrongAs of 2025-Q2QoQ -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-Q2

Bank #598543 2025-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.19%.

What changed this quarter

Compared to Q1 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -33

The five pillars

Liquidity

StrongQoQ +2
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.2%, cash 9.5% of assets.

Cash / Assets
9.49%
Loans / Deposits
74.17%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.66%
No watch items at this period.

Capitalization

StrongQoQ +2
100
Sub-score

Capital position is strong: Tier 1 RBC 15.35%, CET1 15.35%, leverage 11.28%.

Tier 1 RBC
15.35%
CET1
15.35%
Leverage
11.28%
No watch items at this period.

Asset Quality

StrongQoQ -9
82
Sub-score

Asset quality is strong: Adjusted NPL 1.47%, Texas Ratio 7.7%, NCO YTD -0.06%.

Adjusted NPL
1.47%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
-0.06%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
1.19%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.19%.

Reserves

WatchQoQ -33
53
Sub-score

Reserves are deteriorating: ALLL 1.18% of loans, coverage 80.7%, true coverage 80.7%.

ALLL / Loans
1.18%
Coverage
80.7%
True Loss Coverage
80.7%
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: 2026-05-14 11:13:56 UTC