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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #5582846 2025-Q4 Vital Signs Score: 85/100 — 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 183.9% (threshold 100%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.55% of loans.
  3. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 64.8% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +4
66
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 183.9%, cash 42.1% of assets.

Cash / Assets
42.09%
Loans / Deposits
183.90%
Brokered %
0.00%

Watch Items

  • watchUninsured deposits above 50% — Uninsured 64.8% of deposits (threshold 50%).
  • riskLoans / Deposits above 100% — Loans/Deposits 183.9% (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 95.10%, CET1 95.10%, leverage 66.10%.

Tier 1 RBC
95.10%
CET1
95.10%
Leverage
66.10%
No watch items at this period.

Asset Quality

StableQoQ -7
67
Sub-score

Asset quality is stable: Adjusted NPL 1.25%, Texas Ratio 1.1%, NCO YTD 6.55%.

Adjusted NPL
1.25%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
6.55%
30-89 PD
1.93%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 6.55% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.80% of loans, coverage 584.9%, true coverage 584.9%.

ALLL / Loans
6.80%
Coverage
584.9%
True Loss Coverage
584.9%
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