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Stone Bank

IDRSSD: 913146
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
77
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #913146 2025-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.56% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.9% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +22

The five pillars

Liquidity

StableQoQ -5
61
Sub-score

Liquidity is stable: brokered 6.0%, loans/deposits 102.9%, cash 1.6% of assets.

Cash / Assets
1.56%
Loans / Deposits
102.92%
Brokered %
6.03%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.9% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.56% 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
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.18%, CET1 10.18%, leverage 8.36%.

Tier 1 RBC
10.18%
CET1
10.18%
Leverage
8.36%
No watch items at this period.

Asset Quality

StrongQoQ +2
93
Sub-score

Asset quality is strong: Adjusted NPL 0.82%, Texas Ratio 6.9%, NCO YTD 0.24%.

Adjusted NPL
0.82%
Govt-guarantees stripped
Texas Ratio
6.9%
NCO YTD
0.24%
30-89 PD
0.74%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +22
90
Sub-score

Reserves are strong: ALLL 1.38% of loans, coverage 171.8%, true coverage 141.9%.

ALLL / Loans
1.38%
Coverage
171.8%
True Loss Coverage
141.9%
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