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State Bank Of New Richland

IDRSSD: 874452
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
77
/ 100
StableAs of 2025-Q4QoQ -5

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 #874452 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 131.9% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.59% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -16
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ +2
53
Sub-score

Liquidity is deteriorating: brokered 15.6%, loans/deposits 131.9%, cash 2.6% of assets.

Cash / Assets
2.59%
Loans / Deposits
131.89%
Brokered %
15.59%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 131.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.59% of assets (threshold 3%).

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

StableQoQ -16
62
Sub-score

Capital position is stable: Tier 1 RBC 10.79%, CET1 10.79%, leverage 9.18%.

Tier 1 RBC
10.79%
CET1
10.79%
Leverage
9.18%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.6%, NCO YTD 0.00%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
0.00%
30-89 PD
0.99%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
78
Sub-score

Reserves are stable: ALLL 0.85% of loans, coverage 485.4%, true coverage 485.4%.

ALLL / Loans
0.85%
Coverage
485.4%
True Loss Coverage
485.4%
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: 2026-05-15 01:15:38 UTC