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State Bank Of Scotia

IDRSSD: 926650
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
82
/ 100
StrongAs of 2025-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

2025-Q1

Bank #926650 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.03% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +11
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.5%, cash 21.6% of assets.

Cash / Assets
21.60%
Loans / Deposits
62.48%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +11
80
Sub-score

Securities profile is stable: securities 26.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.11%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.43%, CET1 30.43%, leverage 19.25%.

Tier 1 RBC
30.43%
CET1
30.43%
Leverage
19.25%
No watch items at this period.

Asset Quality

WatchQoQ -20
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.03%, Texas Ratio 7.3%, NCO YTD 0.01%.

Adjusted NPL
3.03%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
0.01%
30-89 PD
7.51%
Band 0.3% / 3.0%
90+ PD
0.78%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.03% (govt-guarantees stripped).

Reserves

StableQoQ +1
74
Sub-score

Reserves are stable: ALLL 2.77% of loans, coverage 93.9%, true coverage 93.9%.

ALLL / Loans
2.77%
Coverage
93.9%
True Loss Coverage
93.9%
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: 2026-05-14 17:03:30 UTC