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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ -7

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

Quarterly Headline

2025-Q4

Bank #779968 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.1% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.81% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -29

The five pillars

Liquidity

WatchQoQ -3
60
Sub-score

Liquidity is deteriorating: brokered 13.0%, loans/deposits 101.1%, cash 2.8% of assets.

Cash / Assets
2.81%
Loans / Deposits
101.07%
Brokered %
13.04%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.81% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.46%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.76%, CET1 15.76%, leverage 14.14%.

Tier 1 RBC
15.76%
CET1
15.76%
Leverage
14.14%
No watch items at this period.

Asset Quality

StableQoQ -8
73
Sub-score

Asset quality is stable: Adjusted NPL 1.67%, Texas Ratio 9.4%, NCO YTD 0.00%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
9.4%
NCO YTD
0.00%
30-89 PD
3.60%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -29
58
Sub-score

Reserves are deteriorating: ALLL 1.32% of loans, coverage 80.3%, true coverage 80.3%.

ALLL / Loans
1.32%
Coverage
80.3%
True Loss Coverage
80.3%
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