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Solera National Bank

IDRSSD: 3397233
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
77
/ 100
StableAs of 2025-Q2QoQ -10

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 #3397233 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.34% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -10 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -46
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +2
67
Sub-score

Liquidity is stable: brokered 20.2%, loans/deposits 67.3%, cash 0.3% of assets.

Cash / Assets
0.34%
Loans / Deposits
67.30%
Brokered %
20.21%

Watch Items

  • riskCash / Assets below 3% — Cash 0.34% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.24%
No watch items at this period.

Capitalization

WatchQoQ -46
46
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.52%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.52%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +1
88
Sub-score

Asset quality is strong: Adjusted NPL 0.74%, Texas Ratio 4.1%, NCO YTD 0.00%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.00%
30-89 PD
1.85%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
100
Sub-score

Reserves are strong: ALLL 1.49% of loans, coverage 204.9%, true coverage 199.3%.

ALLL / Loans
1.49%
Coverage
204.9%
True Loss Coverage
199.3%
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: 2026-05-14 09:07:16 UTC