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Swedish American State Bank

IDRSSD: 973252
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #973252 2025-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.05% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    ↑ +3
  • Capitalization
    — —
  • Asset Quality
    ↑ +10
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ -8
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.1%, cash 1.0% of assets.

Cash / Assets
1.05%
Loans / Deposits
81.06%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.05% of assets (threshold 3%).

Securities

StrongQoQ +3
100
Sub-score

Securities profile is strong: securities 16.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.59%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.91%, CET1 18.91%, leverage 12.94%.

Tier 1 RBC
18.91%
CET1
18.91%
Leverage
12.94%
No watch items at this period.

Asset Quality

StrongQoQ +10
91
Sub-score

Asset quality is strong: Adjusted NPL 1.32%, Texas Ratio 6.0%, NCO YTD 0.04%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
0.04%
30-89 PD
0.43%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -8
66
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 95.1%, true coverage 95.1%.

ALLL / Loans
1.24%
Coverage
95.1%
True Loss Coverage
95.1%
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: 2026-05-14 14:00:53 UTC