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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 — 2026-Q1

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

Synthesis

Vital Signs Score
83
/ 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 #5582846 2026-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (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 212.9% (threshold 100%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 13.80% of loans.
  3. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 67.4% of deposits (threshold 50%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
65
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 212.9%, cash 38.3% of assets.

Cash / Assets
38.26%
Loans / Deposits
212.88%
Brokered %
0.00%

Watch Items

  • watchUninsured deposits above 50% — Uninsured 67.4% of deposits (threshold 50%).
  • riskLoans / Deposits above 100% — Loans/Deposits 212.9% (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 99.84%, CET1 99.84%, leverage 61.54%.

Tier 1 RBC
99.84%
CET1
99.84%
Leverage
61.54%
No watch items at this period.

Asset Quality

StableQoQ -5
62
Sub-score

Asset quality is stable: Adjusted NPL 1.04%, Texas Ratio 0.9%, NCO YTD 13.80%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
13.80%
30-89 PD
3.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 13.80% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 7.30% of loans, coverage 755.6%, true coverage 755.6%.

ALLL / Loans
7.30%
Coverage
755.6%
True Loss Coverage
755.6%
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