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Tbk Bank Ssb

IDRSSD: 766164
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
69
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #766164 2025-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ +4
61
Sub-score

Liquidity is stable: brokered 16.3%, loans/deposits 99.9%, cash 3.9% of assets.

Cash / Assets
3.89%
Loans / Deposits
99.88%
Brokered %
16.35%
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

StableQoQ +8
75
Sub-score

Capital position is stable: Tier 1 RBC 11.77%, CET1 11.77%, leverage 10.14%.

Tier 1 RBC
11.77%
CET1
11.77%
Leverage
10.14%
No watch items at this period.

Asset Quality

StrongQoQ +1
85
Sub-score

Asset quality is strong: Adjusted NPL 1.18%, Texas Ratio 8.5%, NCO YTD -0.38%.

Adjusted NPL
1.18%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
-0.38%
30-89 PD
1.74%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +5
10
Sub-score

Reserves are weak: ALLL 0.73% of loans, coverage 62.2%, true coverage 27.6%.

ALLL / Loans
0.73%
Coverage
62.2%
True Loss Coverage
27.6%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.73% 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: 2026-05-13 01:40:20 UTC