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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #926650 2025-Q3 Vital Signs Score: 76/100 — 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.76% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.17% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -6
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +1

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.1%, cash 19.7% of assets.

Cash / Assets
19.67%
Loans / Deposits
64.08%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -6
74
Sub-score

Securities profile is stable: securities 27.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.85%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.21%, CET1 33.21%, leverage 20.44%.

Tier 1 RBC
33.21%
CET1
33.21%
Leverage
20.44%
No watch items at this period.

Asset Quality

WatchQoQ -7
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.17%, Texas Ratio 9.3%, NCO YTD 3.76%.

Adjusted NPL
4.17%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
3.76%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.53%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.17% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.76% of loans.

Reserves

WatchQoQ +1
49
Sub-score

Reserves are deteriorating: ALLL 2.37% of loans, coverage 58.3%, true coverage 58.3%.

ALLL / Loans
2.37%
Coverage
58.3%
True Loss Coverage
58.3%
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: 2026-05-14 17:03:30 UTC