Visbanking Logo
Skip to main content

Texas Exchange Bank

IDRSSD: 822556
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
92
/ 100
StrongAs of 2025-Q4QoQ -4

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 #822556 2025-Q4 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 95.6% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 10.93% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 95.6%, loans/deposits 36.2%, cash 23.2% of assets.

Cash / Assets
23.24%
Loans / Deposits
36.17%
Brokered %
95.65%

Watch Items

  • riskBrokered deposits above 30% — Brokered 95.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.78%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.23%, CET1 25.23%, leverage 12.03%.

Tier 1 RBC
25.23%
CET1
25.23%
Leverage
12.03%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 10.93%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
10.93%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 10.93% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.51% of loans.

ALLL / Loans
1.51%
Coverage
—
True Loss Coverage
—
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: 2026-05-12 21:40:05 UTC