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Talbot State Bank

IDRSSD: 577230
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q1QoQ -4

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

Quarterly Headline

2025-Q1

Bank #577230 2025-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.8% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +2
87
Sub-score

Liquidity is strong: brokered 19.0%, loans/deposits 68.8%, cash 12.0% of assets.

Cash / Assets
11.99%
Loans / Deposits
68.79%
Brokered %
18.99%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.04%
No watch items at this period.

Capitalization

StrongQoQ -3
96
Sub-score

Capital position is strong: Tier 1 RBC 19.89%, CET1 19.89%, leverage 9.10%.

Tier 1 RBC
19.89%
CET1
19.89%
Leverage
9.10%
No watch items at this period.

Asset Quality

WatchQoQ -13
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.20%, Texas Ratio 20.1%, NCO YTD 0.00%.

Adjusted NPL
3.20%
Govt-guarantees stripped
Texas Ratio
20.1%
NCO YTD
0.00%
30-89 PD
7.58%
Band 0.3% / 3.0%
90+ PD
1.35%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.20% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.35%.

Reserves

RiskQoQ 0
4
Sub-score

Reserves are weak: ALLL 0.63% of loans, coverage 19.8%, true coverage 19.8%.

ALLL / Loans
0.63%
Coverage
19.8%
True Loss Coverage
19.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.8% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.63% of loans.

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 19:53:24 UTC