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State Bank Of India California

IDRSSD: 779968
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
86
/ 100
StrongAs of 2025-Q3QoQ -2

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 #779968 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.1% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +2
63
Sub-score

Liquidity is stable: brokered 12.8%, loans/deposits 100.1%, cash 4.0% of assets.

Cash / Assets
4.00%
Loans / Deposits
100.08%
Brokered %
12.79%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.74%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.07%, CET1 16.07%, leverage 14.20%.

Tier 1 RBC
16.07%
CET1
16.07%
Leverage
14.20%
No watch items at this period.

Asset Quality

StrongQoQ -5
81
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 4.5%, NCO YTD 0.00%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.00%
30-89 PD
2.83%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -7
87
Sub-score

Reserves are strong: ALLL 1.33% of loans, coverage 167.1%, true coverage 167.1%.

ALLL / Loans
1.33%
Coverage
167.1%
True Loss Coverage
167.1%
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: 2026-05-13 12:12:17 UTC