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Spring Valley City Bank

IDRSSD: 452841
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q1QoQ -11

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

Quarterly Headline

2025-Q1

Bank #452841 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.19%.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -11 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -44

The five pillars

Liquidity

StrongQoQ -3
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.4%, cash 6.0% of assets.

Cash / Assets
5.95%
Loans / Deposits
74.41%
Brokered %
0.00%
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
0.01%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.79%, CET1 22.79%, leverage 13.98%.

Tier 1 RBC
22.79%
CET1
22.79%
Leverage
13.98%
No watch items at this period.

Asset Quality

WatchQoQ -15
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.77%, Texas Ratio 19.7%, NCO YTD 0.01%.

Adjusted NPL
4.77%
Govt-guarantees stripped
Texas Ratio
19.7%
NCO YTD
0.01%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
3.19%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.77% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.19%.

Reserves

RiskQoQ -44
38
Sub-score

Reserves are weak: ALLL 1.82% of loans, coverage 38.8%, true coverage 38.8%.

ALLL / Loans
1.82%
Coverage
38.8%
True Loss Coverage
38.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.8% (Adjusted NPL + Performing Mods denominator).

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 11:31:25 UTC