Visbanking Logo
Skip to main content

Texana Bank National Association

IDRSSD: 809650
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
80
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #809650 2025-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.3% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.37% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ 0
59
Sub-score

Liquidity is deteriorating: brokered 6.0%, loans/deposits 109.3%, cash 2.4% of assets.

Cash / Assets
2.37%
Loans / Deposits
109.26%
Brokered %
6.04%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.37% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.59%
No watch items at this period.

Capitalization

StableQoQ -3
62
Sub-score

Capital position is stable: Tier 1 RBC 10.80%, CET1 10.80%, leverage 8.84%.

Tier 1 RBC
10.80%
CET1
10.80%
Leverage
8.84%
No watch items at this period.

Asset Quality

StrongQoQ 0
98
Sub-score

Asset quality is strong: Adjusted NPL 0.23%, Texas Ratio 2.2%, NCO YTD 0.11%.

Adjusted NPL
0.23%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.11%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
88
Sub-score

Reserves are strong: ALLL 1.14% of loans, coverage 497.0%, true coverage 497.0%.

ALLL / Loans
1.14%
Coverage
497.0%
True Loss Coverage
497.0%
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: 2026-05-13 16:42:25 UTC