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Southeast Bank

IDRSSD: 3110197
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
58
/ 100
WatchAs of 2025-Q3QoQ -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-Q3

Bank #3110197 2025-Q3 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.8% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.4% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.26%.

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 16.0%, loans/deposits 96.6%, cash 7.0% of assets.

Cash / Assets
7.02%
Loans / Deposits
96.59%
Brokered %
16.04%
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 -3
71
Sub-score

Capital position is stable: Tier 1 RBC 12.00%, CET1 12.00%, leverage 8.24%.

Tier 1 RBC
12.00%
CET1
12.00%
Leverage
8.24%
No watch items at this period.

Asset Quality

WatchQoQ -1
43
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.32%, Texas Ratio 33.3%, NCO YTD 0.13%.

Adjusted NPL
3.32%
Govt-guarantees stripped
Texas Ratio
33.3%
NCO YTD
0.13%
30-89 PD
2.16%
Band 0.3% / 3.0%
90+ PD
3.26%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.32% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.26%.

Reserves

RiskQoQ 0
4
Sub-score

Reserves are weak: ALLL 0.61% of loans, coverage 18.4%, true coverage 17.8%.

ALLL / Loans
0.61%
Coverage
18.4%
True Loss Coverage
17.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.8% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.61% of loans.

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 03:35:18 UTC