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Smbc Manubank

IDRSSD: 930965
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #930965 2025-Q1 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.36% of loans.

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +2
96
Sub-score

Liquidity is strong: brokered 3.1%, loans/deposits 74.2%, cash 15.6% of assets.

Cash / Assets
15.64%
Loans / Deposits
74.16%
Brokered %
3.07%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.09%, CET1 21.09%, leverage 15.42%.

Tier 1 RBC
21.09%
CET1
21.09%
Leverage
15.42%
No watch items at this period.

Asset Quality

StableQoQ -2
77
Sub-score

Asset quality is stable: Adjusted NPL 1.64%, Texas Ratio 5.4%, NCO YTD 1.36%.

Adjusted NPL
1.64%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
1.36%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.36% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.02% of loans, coverage 321.6%, true coverage 274.9%.

ALLL / Loans
5.02%
Coverage
321.6%
True Loss Coverage
274.9%
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: 2026-05-12 21:09:33 UTC