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Small Business Bank

IDRSSD: 663656
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 -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 #663656 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.55% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.74% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -10 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -27
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ -2
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 89.1%, cash 12.1% of assets.

Cash / Assets
12.11%
Loans / Deposits
89.06%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -8
87
Sub-score

Capital position is strong: Tier 1 RBC 21.59%, CET1 21.59%, leverage 6.99%.

Tier 1 RBC
21.59%
CET1
21.59%
Leverage
6.99%
No watch items at this period.

Asset Quality

WatchQoQ -27
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.55%, Texas Ratio 30.4%, NCO YTD 1.74%.

Adjusted NPL
3.55%
Govt-guarantees stripped
Texas Ratio
30.4%
NCO YTD
1.74%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.55% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.74% of loans.

Reserves

WatchQoQ -5
55
Sub-score

Reserves are deteriorating: ALLL 2.44% of loans, coverage 70.5%, true coverage 65.3%.

ALLL / Loans
2.44%
Coverage
70.5%
True Loss Coverage
65.3%
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 03:50:28 UTC