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Sjn Bank Of Kansas

IDRSSD: 412555
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
83
/ 100
StrongAs of 2025-Q3QoQ -10

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 #412555 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.94% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.14%.

What changed this quarter

Compared to Q2 2025:
↓ -10 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ -24

The five pillars

Liquidity

StableQoQ -7
66
Sub-score

Liquidity is stable: brokered 10.5%, loans/deposits 83.7%, cash 0.9% of assets.

Cash / Assets
0.94%
Loans / Deposits
83.66%
Brokered %
10.51%

Watch Items

  • riskCash / Assets below 3% — Cash 0.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.86%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 13.92%, CET1 13.92%, leverage 9.97%.

Tier 1 RBC
13.92%
CET1
13.92%
Leverage
9.97%
No watch items at this period.

Asset Quality

StableQoQ -20
78
Sub-score

Asset quality is stable: Adjusted NPL 1.47%, Texas Ratio 7.9%, NCO YTD 0.23%.

Adjusted NPL
1.47%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.23%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
1.14%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.14%.

Reserves

StableQoQ -24
76
Sub-score

Reserves are stable: ALLL 1.92% of loans, coverage 133.4%, true coverage 79.8%.

ALLL / Loans
1.92%
Coverage
133.4%
True Loss Coverage
79.8%
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: 2026-05-13 21:16:16 UTC