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Smbc Manubank

IDRSSD: 930965
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
79
/ 100
StableAs of 2026-Q1QoQ -10

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 #930965 2026-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 0.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 0.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.93% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -10 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -74

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 1.3%, loans/deposits 64.3%, cash 29.7% of assets.

Cash / Assets
29.71%
Loans / Deposits
64.34%
Brokered %
1.29%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.12%
No watch items at this period.

Capitalization

StrongQoQ -3
97
Sub-score

Capital position is strong: Tier 1 RBC 15.42%, CET1 15.42%, leverage 9.62%.

Tier 1 RBC
15.42%
CET1
15.42%
Leverage
9.62%
No watch items at this period.

Asset Quality

StrongQoQ +7
82
Sub-score

Asset quality is strong: Adjusted NPL 0.33%, Texas Ratio 1.9%, NCO YTD 5.93%.

Adjusted NPL
0.33%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
5.93%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 5.93% of loans.

Reserves

RiskQoQ -74
0
Sub-score

Reserves are weak: ALLL 0.00% of loans, coverage 0.0%, true coverage 0.0%.

ALLL / Loans
0.00%
Coverage
0.0%
True Loss Coverage
0.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 0.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 0.0% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.00% of loans.

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