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Solutions Bank

IDRSSD: 927134
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
88
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #927134 2025-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.42% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ 0
80
Sub-score

Liquidity is strong: brokered 1.3%, loans/deposits 65.6%, cash 1.4% of assets.

Cash / Assets
1.42%
Loans / Deposits
65.57%
Brokered %
1.33%

Watch Items

  • watchCash / Assets below 3% — Cash 1.42% 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

StrongQoQ -3
81
Sub-score

Capital position is strong: Tier 1 RBC 12.92%, CET1 12.92%, leverage 8.51%.

Tier 1 RBC
12.92%
CET1
12.92%
Leverage
8.51%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 2.4%, NCO YTD 0.16%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
0.16%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 203.6%, true coverage 203.6%.

ALLL / Loans
0.89%
Coverage
203.6%
True Loss Coverage
203.6%
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 11:10:53 UTC