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Solutions North Bank

IDRSSD: 612159
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
93
/ 100
StrongAs of 2025-Q2QoQ -2

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 #612159 2025-Q2 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.66% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -11
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.5%, cash 1.7% of assets.

Cash / Assets
1.66%
Loans / Deposits
70.51%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.66% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.03%
No watch items at this period.

Capitalization

StrongQoQ +3
91
Sub-score

Capital position is strong: Tier 1 RBC 13.12%, CET1 13.12%, leverage 9.91%.

Tier 1 RBC
13.12%
CET1
13.12%
Leverage
9.91%
No watch items at this period.

Asset Quality

StrongQoQ -2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.06%, Texas Ratio 0.3%, NCO YTD 0.04%.

Adjusted NPL
0.06%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.04%
30-89 PD
0.99%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.77% of loans, coverage 2886.8%, true coverage 321.6%.

ALLL / Loans
1.77%
Coverage
2886.8%
True Loss Coverage
321.6%
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: 2026-05-12 16:35:25 UTC