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Solutions Bank

IDRSSD: 927134
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
75
/ 100
StableAs of 2025-Q2QoQ +1

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 #927134 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.1% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.56% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.9% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ 0
80
Sub-score

Liquidity is strong: brokered 1.3%, loans/deposits 65.7%, cash 1.6% of assets.

Cash / Assets
1.56%
Loans / Deposits
65.69%
Brokered %
1.33%

Watch Items

  • watchCash / Assets below 3% — Cash 1.56% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +4
78
Sub-score

Capital position is stable: Tier 1 RBC 12.58%, CET1 12.58%, leverage 8.57%.

Tier 1 RBC
12.58%
CET1
12.58%
Leverage
8.57%
No watch items at this period.

Asset Quality

StrongQoQ 0
88
Sub-score

Asset quality is strong: Adjusted NPL 1.86%, Texas Ratio 10.0%, NCO YTD 0.00%.

Adjusted NPL
1.86%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
0.00%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
16
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 49.9%, true coverage 35.1%.

ALLL / Loans
0.92%
Coverage
49.9%
True Loss Coverage
35.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.1% (Adjusted NPL + Performing Mods denominator).

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 11:10:53 UTC