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Tbo Bank

IDRSSD: 1003950
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ +11

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

Quarterly Headline

2026-Q1

Bank #1003950 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 40.18% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.27% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +11 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +27
  • Reserves
    ↑ +15

The five pillars

Liquidity

StrongQoQ +11
97
Sub-score

Liquidity is strong: brokered 2.6%, loans/deposits 72.3%, cash 19.0% of assets.

Cash / Assets
18.97%
Loans / Deposits
72.30%
Brokered %
2.56%
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 -3
77
Sub-score

Capital position is stable: Tier 1 RBC 11.76%, CET1 11.76%, leverage 11.27%.

Tier 1 RBC
11.76%
CET1
11.76%
Leverage
11.27%
No watch items at this period.

Asset Quality

WatchQoQ +27
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.27%, Texas Ratio 12.0%, NCO YTD 40.18%.

Adjusted NPL
2.27%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
40.18%
30-89 PD
9.61%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.27% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 40.18% of loans.

Reserves

StrongQoQ +15
100
Sub-score

Reserves are strong: ALLL 4.52% of loans, coverage 208.8%, true coverage 202.7%.

ALLL / Loans
4.52%
Coverage
208.8%
True Loss Coverage
202.7%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 06:22:41 UTC