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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-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 +2

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 #926650 2025-Q4 Vital Signs Score: 77/100 — 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. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.94% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +3

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.9%, cash 20.1% of assets.

Cash / Assets
20.15%
Loans / Deposits
62.86%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -1
73
Sub-score

Securities profile is stable: securities 28.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.10%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.34%, CET1 33.34%, leverage 20.99%.

Tier 1 RBC
33.34%
CET1
33.34%
Leverage
20.99%
No watch items at this period.

Asset Quality

WatchQoQ +6
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.94%, Texas Ratio 8.7%, NCO YTD 0.92%.

Adjusted NPL
3.94%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.92%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
0.42%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.94% (govt-guarantees stripped).

Reserves

WatchQoQ +3
52
Sub-score

Reserves are deteriorating: ALLL 2.40% of loans, coverage 62.4%, true coverage 62.4%.

ALLL / Loans
2.40%
Coverage
62.4%
True Loss Coverage
62.4%
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