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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ -4

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

Quarterly Headline

2025-Q2

Bank #926650 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.59% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ 0
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -25

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.6%, cash 25.2% of assets.

Cash / Assets
25.21%
Loans / Deposits
58.61%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ 0
79
Sub-score

Securities profile is stable: securities 26.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.18%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 31.81%, CET1 31.81%, leverage 19.60%.

Tier 1 RBC
31.81%
CET1
31.81%
Leverage
19.60%
No watch items at this period.

Asset Quality

WatchQoQ 0
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.59%, Texas Ratio 12.5%, NCO YTD 0.01%.

Adjusted NPL
5.59%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
0.01%
30-89 PD
1.01%
Band 0.3% / 3.0%
90+ PD
0.78%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.59% (govt-guarantees stripped).

Reserves

WatchQoQ -25
48
Sub-score

Reserves are deteriorating: ALLL 3.11% of loans, coverage 57.4%, true coverage 57.4%.

ALLL / Loans
3.11%
Coverage
57.4%
True Loss Coverage
57.4%
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: 2026-05-14 17:03:30 UTC