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Ssb Bank

IDRSSD: 277277
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q2QoQ +4

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

Quarterly Headline

2025-Q2

Bank #277277 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +6
91
Sub-score

Liquidity is strong: brokered 1.0%, loans/deposits 86.7%, cash 18.9% of assets.

Cash / Assets
18.85%
Loans / Deposits
86.72%
Brokered %
0.98%
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
0.00%
No watch items at this period.

Capitalization

StableQoQ +3
61
Sub-score

Capital position is stable: Tier 1 RBC 11.19%, CET1 11.19%, leverage 7.76%.

Tier 1 RBC
11.19%
CET1
11.19%
Leverage
7.76%
No watch items at this period.

Asset Quality

StrongQoQ +7
87
Sub-score

Asset quality is strong: Adjusted NPL 1.25%, Texas Ratio 11.2%, NCO YTD 0.18%.

Adjusted NPL
1.25%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.18%
30-89 PD
1.24%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
29
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 83.5%, true coverage 37.5%.

ALLL / Loans
1.03%
Coverage
83.5%
True Loss Coverage
37.5%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.5% (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: 2026-05-13 08:52:56 UTC