Liquidity
StrongQoQ 0
98
Sub-score
Liquidity is strong: brokered 1.8%, loans/deposits 57.7%.
- Cash / Assets
- —
- Loans / Deposits
- 57.73%
- Brokered %
- 1.80%
No watch items at this period.
Td Bank National Association
IDRSSD: 497404
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
86
/ 100
StrongAs of 2025-Q4QoQ -1
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 #497404 2025-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Unknown
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q3 2025:
↓ -1 ptscomposite
- Liquidity↓ 0
- Securities— —
- Capitalization— —
- Asset Quality↓ -1
- Reserves↓ -3
The five pillars
Securities
Unknown
—
Sub-score
Insufficient data to compute a narrative for this pillar.
- MtM Loss / Tier 1
- —
- Securities / Assets
- —
SVB watch metric
No watch items at this period.
Capitalization
Stable
75
Sub-score
Capital position is stable: Tier 1 RBC 18.11%, CET1 0.00%, leverage 10.91%.
- Tier 1 RBC
- 18.11%
- CET1
- 0.00%
- Leverage
- 10.91%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ -1
88
Sub-score
Asset quality is strong: Adjusted NPL 1.23%, Texas Ratio 5.0%, NCO YTD 0.44%.
- Adjusted NPL
- 1.23%
- Texas Ratio
- 5.0%
- NCO YTD
- 0.44%
- 30-89 PD
- 0.62%
- 90+ PD
- 0.15%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -3
86
Sub-score
Reserves are strong: ALLL 1.64% of loans, coverage 134.9%, true coverage 129.9%.
- ALLL / Loans
- 1.64%
- Coverage
- 134.9%
- True Loss Coverage
- 129.9%
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.tsfor 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 21:19:38 UTC