Visbanking Logo
Skip to main content

Texas Advantage Community Bank National Association

IDRSSD: 3485215
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ -10

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 #3485215 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.0% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.51% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -10 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -39

The five pillars

Liquidity

StrongQoQ -3
82
Sub-score

Liquidity is strong: brokered 27.1%, loans/deposits 50.2%, cash 12.2% of assets.

Cash / Assets
12.24%
Loans / Deposits
50.22%
Brokered %
27.15%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.71%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.99%, CET1 22.99%, leverage 11.93%.

Tier 1 RBC
22.99%
CET1
22.99%
Leverage
11.93%
No watch items at this period.

Asset Quality

StrongQoQ -12
83
Sub-score

Asset quality is strong: Adjusted NPL 2.51%, Texas Ratio 9.3%, NCO YTD 0.00%.

Adjusted NPL
2.51%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.51% (govt-guarantees stripped).

Reserves

RiskQoQ -39
26
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 44.0%, true coverage 44.0%.

ALLL / Loans
1.09%
Coverage
44.0%
True Loss Coverage
44.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.0% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 08:57:25 UTC