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State Bank Of Bellingham

IDRSSD: 272058
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ -9

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

Quarterly Headline

2025-Q1

Bank #272058 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.09%.

What changed this quarter

Compared to Q4 2024:
↓ -9 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +5
  • Capitalization
    — —
  • Asset Quality
    ↓ -27
  • Reserves
    ↓ -23

The five pillars

Liquidity

StableQoQ +3
75
Sub-score

Liquidity is stable: brokered 16.6%, loans/deposits 58.9%, cash 3.9% of assets.

Cash / Assets
3.94%
Loans / Deposits
58.95%
Brokered %
16.59%
No watch items at this period.

Securities

StrongQoQ +5
83
Sub-score

Securities profile is strong: securities 25.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.95%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.62%, CET1 19.62%, leverage 13.17%.

Tier 1 RBC
19.62%
CET1
19.62%
Leverage
13.17%
No watch items at this period.

Asset Quality

StableQoQ -27
69
Sub-score

Asset quality is stable: Adjusted NPL 1.16%, Texas Ratio 4.2%, NCO YTD 0.00%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.00%
30-89 PD
3.59%
Band 0.3% / 3.0%
90+ PD
1.09%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.09%.

Reserves

StableQoQ -23
63
Sub-score

Reserves are stable: ALLL 1.11% of loans, coverage 96.7%, true coverage 96.7%.

ALLL / Loans
1.11%
Coverage
96.7%
True Loss Coverage
96.7%
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: 2026-05-12 16:38:27 UTC