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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2026-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

2026-Q1

Bank #926650 2026-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.00% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 45.3% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +10
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -11

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.1%, cash 28.9% of assets.

Cash / Assets
28.95%
Loans / Deposits
55.11%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +10
83
Sub-score

Securities profile is strong: securities 25.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.06%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.60%, CET1 33.60%, leverage 20.57%.

Tier 1 RBC
33.60%
CET1
33.60%
Leverage
20.57%
No watch items at this period.

Asset Quality

WatchQoQ -10
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.00%, Texas Ratio 12.5%, NCO YTD 0.13%.

Adjusted NPL
6.00%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
0.13%
30-89 PD
5.40%
Band 0.3% / 3.0%
90+ PD
0.62%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.00% (govt-guarantees stripped).

Reserves

WatchQoQ -11
41
Sub-score

Reserves are deteriorating: ALLL 2.65% of loans, coverage 45.3%, true coverage 45.3%.

ALLL / Loans
2.65%
Coverage
45.3%
True Loss Coverage
45.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.3% (Adjusted NPL + Performing Mods denominator).

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