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Square Financial Services Inc

IDRSSD: 5582846
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
86
/ 100
StrongAs of 2025-Q3QoQ 0

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 #5582846 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 179.9% (threshold 100%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.31% of loans.
  3. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 74.7% of deposits (threshold 50%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +2
62
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 179.9%, cash 39.7% of assets.

Cash / Assets
39.72%
Loans / Deposits
179.89%
Brokered %
0.00%

Watch Items

  • watchUninsured deposits above 50% — Uninsured 74.7% of deposits (threshold 50%).
  • riskLoans / Deposits above 100% — Loans/Deposits 179.9% (threshold 100%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 99.28%, CET1 99.28%, leverage 67.03%.

Tier 1 RBC
99.28%
CET1
99.28%
Leverage
67.03%
No watch items at this period.

Asset Quality

StableQoQ -2
74
Sub-score

Asset quality is stable: Adjusted NPL 1.26%, Texas Ratio 1.1%, NCO YTD 3.31%.

Adjusted NPL
1.26%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
3.31%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.31% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.93% of loans, coverage 409.6%, true coverage 409.6%.

ALLL / Loans
4.93%
Coverage
409.6%
True Loss Coverage
409.6%
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: 2026-05-14 11:11:12 UTC