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Smbc Manubank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q4QoQ -5

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

Quarterly Headline

2025-Q4

Bank #930965 2025-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 16.67% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -26

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 1.4%, loans/deposits 70.2%, cash 22.4% of assets.

Cash / Assets
22.41%
Loans / Deposits
70.24%
Brokered %
1.36%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.64%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.27%, CET1 17.27%, leverage 11.76%.

Tier 1 RBC
17.27%
CET1
17.27%
Leverage
11.76%
No watch items at this period.

Asset Quality

StableQoQ -3
75
Sub-score

Asset quality is stable: Adjusted NPL 0.40%, Texas Ratio 2.0%, NCO YTD 16.67%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
16.67%
30-89 PD
1.61%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 16.67% of loans.

Reserves

StableQoQ -26
74
Sub-score

Reserves are stable: ALLL 1.20% of loans, coverage 302.5%, true coverage 65.3%.

ALLL / Loans
1.20%
Coverage
302.5%
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: 2026-05-12 21:09:33 UTC