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Small Business Bank

IDRSSD: 663656
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2026-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #663656 2026-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.95% (govt-guarantees stripped).
  2. info
    Texas Ratio above 50%
    Asset Quality — Texas Ratio 55.7% (industry watch band 50% / risk band 100%).
  3. info
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 4.83% (PCA threshold 5%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +2
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 87.2%, cash 13.2% of assets.

Cash / Assets
13.21%
Loans / Deposits
87.16%
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

StableQoQ -6
76
Sub-score

Capital position is stable: Tier 1 RBC 14.01%, CET1 14.01%, leverage 4.83%.

Tier 1 RBC
14.01%
CET1
14.01%
Leverage
4.83%

Watch Items

  • infoTier 1 Leverage below 5% — Tier 1 Leverage 4.83% (PCA threshold 5%).

Asset Quality

WatchQoQ -1
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.95%, Texas Ratio 55.7%, NCO YTD -0.03%.

Adjusted NPL
4.95%
Govt-guarantees stripped
Texas Ratio
55.7%
NCO YTD
-0.03%
30-89 PD
11.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.95% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 55.7% (industry watch band 50% / risk band 100%).

Reserves

WatchQoQ +4
50
Sub-score

Reserves are deteriorating: ALLL 2.93% of loans, coverage 60.9%, true coverage 60.9%.

ALLL / Loans
2.93%
Coverage
60.9%
True Loss Coverage
60.9%
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