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Ssb Bank

IDRSSD: 277277
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
69
/ 100
StableAs of 2025-Q3QoQ -6

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 #277277 2025-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ -3
88
Sub-score

Liquidity is strong: brokered 6.0%, loans/deposits 86.1%, cash 18.4% of assets.

Cash / Assets
18.43%
Loans / Deposits
86.09%
Brokered %
5.98%
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

WatchQoQ -2
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.10%, CET1 11.10%, leverage 7.55%.

Tier 1 RBC
11.10%
CET1
11.10%
Leverage
7.55%
No watch items at this period.

Asset Quality

StableQoQ -12
75
Sub-score

Asset quality is stable: Adjusted NPL 1.89%, Texas Ratio 17.0%, NCO YTD 0.46%.

Adjusted NPL
1.89%
Govt-guarantees stripped
Texas Ratio
17.0%
NCO YTD
0.46%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.80%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -13
16
Sub-score

Reserves are weak: ALLL 0.96% of loans, coverage 51.6%, true coverage 29.4%.

ALLL / Loans
0.96%
Coverage
51.6%
True Loss Coverage
29.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.4% (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