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Smbc Manubank

IDRSSD: 930965
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
93
/ 100
StrongAs of 2025-Q2QoQ 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-Q2

Bank #930965 2025-Q2 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. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.51% of loans.

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
95
Sub-score

Liquidity is strong: brokered 3.3%, loans/deposits 76.4%, cash 10.5% of assets.

Cash / Assets
10.51%
Loans / Deposits
76.40%
Brokered %
3.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.40%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.22%, CET1 19.22%, leverage 13.64%.

Tier 1 RBC
19.22%
CET1
19.22%
Leverage
13.64%
No watch items at this period.

Asset Quality

StableQoQ +1
78
Sub-score

Asset quality is stable: Adjusted NPL 1.17%, Texas Ratio 4.2%, NCO YTD 1.51%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
1.51%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.51% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 5.24% of loans, coverage 474.1%, true coverage 252.9%.

ALLL / Loans
5.24%
Coverage
474.1%
True Loss Coverage
252.9%
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