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Summit State Bank

IDRSSD: 561574
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 +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-Q4

Bank #561574 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.01% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +2
77
Sub-score

Liquidity is stable: brokered 5.9%, loans/deposits 93.3%, cash 6.5% of assets.

Cash / Assets
6.52%
Loans / Deposits
93.34%
Brokered %
5.86%
No watch items at this period.

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

StrongQoQ +5
81
Sub-score

Capital position is strong: Tier 1 RBC 11.97%, CET1 11.97%, leverage 10.34%.

Tier 1 RBC
11.97%
CET1
11.97%
Leverage
10.34%
No watch items at this period.

Asset Quality

StableQoQ +5
77
Sub-score

Asset quality is stable: Adjusted NPL 3.01%, Texas Ratio 21.0%, NCO YTD 0.00%.

Adjusted NPL
3.01%
Govt-guarantees stripped
Texas Ratio
21.0%
NCO YTD
0.00%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.01% (govt-guarantees stripped).

Reserves

WatchQoQ -1
48
Sub-score

Reserves are deteriorating: ALLL 1.71% of loans, coverage 57.8%, true coverage 57.8%.

ALLL / Loans
1.71%
Coverage
57.8%
True Loss Coverage
57.8%
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: 2026-05-13 10:13:32 UTC