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Stone Bank

IDRSSD: 913146
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
75
/ 100
StableAs of 2025-Q2QoQ -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-Q2

Bank #913146 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.85% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +1
66
Sub-score

Liquidity is stable: brokered 6.5%, loans/deposits 97.6%, cash 2.9% of assets.

Cash / Assets
2.85%
Loans / Deposits
97.57%
Brokered %
6.53%

Watch Items

  • infoCash / Assets below 3% — Cash 2.85% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -4
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.59%, CET1 10.59%, leverage 8.34%.

Tier 1 RBC
10.59%
CET1
10.59%
Leverage
8.34%
No watch items at this period.

Asset Quality

StrongQoQ -1
91
Sub-score

Asset quality is strong: Adjusted NPL 1.51%, Texas Ratio 12.4%, NCO YTD 0.05%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
12.4%
NCO YTD
0.05%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -5
68
Sub-score

Reserves are stable: ALLL 1.43% of loans, coverage 95.9%, true coverage 86.8%.

ALLL / Loans
1.43%
Coverage
95.9%
True Loss Coverage
86.8%
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: 2026-05-12 19:30:06 UTC