Visbanking Logo
Skip to main content

Stone Bank

IDRSSD: 913146
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 -1

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 #913146 2025-Q4 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:Stable

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.07% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ +4
65
Sub-score

Liquidity is stable: brokered 6.0%, loans/deposits 96.6%, cash 2.1% of assets.

Cash / Assets
2.07%
Loans / Deposits
96.65%
Brokered %
5.97%

Watch Items

  • infoCash / Assets below 3% — Cash 2.07% 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 10.60%, CET1 10.60%, leverage 8.24%.

Tier 1 RBC
10.60%
CET1
10.60%
Leverage
8.24%
No watch items at this period.

Asset Quality

StrongQoQ -3
90
Sub-score

Asset quality is strong: Adjusted NPL 1.38%, Texas Ratio 11.0%, NCO YTD 0.08%.

Adjusted NPL
1.38%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
0.08%
30-89 PD
0.59%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -12
78
Sub-score

Reserves are stable: ALLL 1.50% of loans, coverage 110.4%, true coverage 95.9%.

ALLL / Loans
1.50%
Coverage
110.4%
True Loss Coverage
95.9%
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