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Summit Bank

IDRSSD: 351560
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
86
/ 100
StrongAs of 2025-Q3QoQ -10

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 #351560 2025-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.11% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -10 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -30

The five pillars

Liquidity

StrongQoQ +2
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.1%, cash 27.2% of assets.

Cash / Assets
27.16%
Loans / Deposits
83.11%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.14%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.00%, CET1 23.00%, leverage 17.10%.

Tier 1 RBC
23.00%
CET1
23.00%
Leverage
17.10%
No watch items at this period.

Asset Quality

StableQoQ -25
69
Sub-score

Asset quality is stable: Adjusted NPL 4.11%, Texas Ratio 14.0%, NCO YTD 0.00%.

Adjusted NPL
4.11%
Govt-guarantees stripped
Texas Ratio
14.0%
NCO YTD
0.00%
30-89 PD
0.47%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.11% (govt-guarantees stripped).

Reserves

StableQoQ -30
70
Sub-score

Reserves are stable: ALLL 3.52% of loans, coverage 88.7%, true coverage 88.7%.

ALLL / Loans
3.52%
Coverage
88.7%
True Loss Coverage
88.7%
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: 2026-05-13 01:45:14 UTC