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Sundown State Bank

IDRSSD: 412667
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
75
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #412667 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.01% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.49%.

What changed this quarter

Compared to Q3 2025:
↓ -10 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -33
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ +1
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.3%, cash 2.0% of assets.

Cash / Assets
2.01%
Loans / Deposits
73.33%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.01% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.81%
No watch items at this period.

Capitalization

StrongQoQ -2
93
Sub-score

Capital position is strong: Tier 1 RBC 13.66%, CET1 13.66%, leverage 10.93%.

Tier 1 RBC
13.66%
CET1
13.66%
Leverage
10.93%
No watch items at this period.

Asset Quality

StableQoQ -33
67
Sub-score

Asset quality is stable: Adjusted NPL 1.49%, Texas Ratio 8.5%, NCO YTD 0.00%.

Adjusted NPL
1.49%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.00%
30-89 PD
2.27%
Band 0.3% / 3.0%
90+ PD
1.49%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.49%.

Reserves

RiskQoQ -9
25
Sub-score

Reserves are weak: ALLL 0.83% of loans, coverage 56.4%, true coverage 56.4%.

ALLL / Loans
0.83%
Coverage
56.4%
True Loss Coverage
56.4%
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 21:12:51 UTC