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Star Bank

IDRSSD: 715050
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
64
/ 100
StableAs of 2026-Q1QoQ +3

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 #715050 2026-Q1 Vital Signs Score: 64/100 — 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. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.91% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.6% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +3
82
Sub-score

Liquidity is strong: brokered 13.7%, loans/deposits 88.7%, cash 10.9% of assets.

Cash / Assets
10.94%
Loans / Deposits
88.67%
Brokered %
13.74%
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 +3
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.50%, CET1 10.50%, leverage 8.95%.

Tier 1 RBC
10.50%
CET1
10.50%
Leverage
8.95%
No watch items at this period.

Asset Quality

StableQoQ +6
62
Sub-score

Asset quality is stable: Adjusted NPL 2.46%, Texas Ratio 19.4%, NCO YTD 2.91%.

Adjusted NPL
2.46%
Govt-guarantees stripped
Texas Ratio
19.4%
NCO YTD
2.91%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.46% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.91% of loans.

Reserves

RiskQoQ +1
20
Sub-score

Reserves are weak: ALLL 1.06% of loans, coverage 43.5%, true coverage 33.6%.

ALLL / Loans
1.06%
Coverage
43.5%
True Loss Coverage
33.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.6% (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 23:08:30 UTC