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Spiritbank

IDRSSD: 142955
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2026-Q1QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #142955 2026-Q1 Vital Signs Score: 85/100 — 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +9

The five pillars

Liquidity

StrongQoQ -2
85
Sub-score

Liquidity is strong: brokered 21.2%, loans/deposits 72.1%, cash 19.5% of assets.

Cash / Assets
19.54%
Loans / Deposits
72.08%
Brokered %
21.20%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.79%
No watch items at this period.

Capitalization

StrongQoQ -1
86
Sub-score

Capital position is strong: Tier 1 RBC 12.96%, CET1 12.96%, leverage 9.15%.

Tier 1 RBC
12.96%
CET1
12.96%
Leverage
9.15%
No watch items at this period.

Asset Quality

StrongQoQ +1
88
Sub-score

Asset quality is strong: Adjusted NPL 1.41%, Texas Ratio 9.4%, NCO YTD -0.43%.

Adjusted NPL
1.41%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
-0.43%
30-89 PD
1.01%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +9
62
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 89.5%, true coverage 89.5%.

ALLL / Loans
1.24%
Coverage
89.5%
True Loss Coverage
89.5%
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: 2026-05-13 16:18:56 UTC