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Texana Bank National Association

IDRSSD: 809650
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
77
/ 100
StableAs of 2025-Q4QoQ -3

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 #809650 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 121.4% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -2
58
Sub-score

Liquidity is deteriorating: brokered 3.9%, loans/deposits 121.4%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
121.41%
Brokered %
3.89%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 121.4% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.40% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.15%
No watch items at this period.

Capitalization

WatchQoQ -2
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.38%, CET1 10.38%, leverage 9.08%.

Tier 1 RBC
10.38%
CET1
10.38%
Leverage
9.08%
No watch items at this period.

Asset Quality

StrongQoQ -6
90
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 5.3%, NCO YTD 0.22%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.22%
30-89 PD
1.56%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
85
Sub-score

Reserves are strong: ALLL 1.06% of loans, coverage 198.1%, true coverage 198.1%.

ALLL / Loans
1.06%
Coverage
198.1%
True Loss Coverage
198.1%
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