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Sonata Bank

IDRSSD: 62044
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
72
/ 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 #62044 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.21%.

What changed this quarter

Compared to Q1 2025:
↓ -10 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -52

The five pillars

Liquidity

StableQoQ +6
69
Sub-score

Liquidity is stable: brokered 19.5%, loans/deposits 98.1%, cash 8.2% of assets.

Cash / Assets
8.17%
Loans / Deposits
98.06%
Brokered %
19.54%
No watch items at this period.

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 0
74
Sub-score

Capital position is stable: Tier 1 RBC 11.73%, CET1 11.73%, leverage 9.51%.

Tier 1 RBC
11.73%
CET1
11.73%
Leverage
9.51%
No watch items at this period.

Asset Quality

StableQoQ -15
79
Sub-score

Asset quality is stable: Adjusted NPL 1.37%, Texas Ratio 12.1%, NCO YTD 0.41%.

Adjusted NPL
1.37%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
0.41%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
1.21%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.21%.

Reserves

RiskQoQ -52
30
Sub-score

Reserves are weak: ALLL 0.88% of loans, coverage 65.2%, true coverage 58.5%.

ALLL / Loans
0.88%
Coverage
65.2%
True Loss Coverage
58.5%
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 21:53:46 UTC