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Texasbank

IDRSSD: 232856
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
83
/ 100
StrongAs of 2025-Q4QoQ -8

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 #232856 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.7% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -47

The five pillars

Liquidity

StrongQoQ -2
82
Sub-score

Liquidity is strong: brokered 2.6%, loans/deposits 102.7%, cash 11.8% of assets.

Cash / Assets
11.81%
Loans / Deposits
102.74%
Brokered %
2.59%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.93%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.91%, CET1 17.91%, leverage 12.29%.

Tier 1 RBC
17.91%
CET1
17.91%
Leverage
12.29%
No watch items at this period.

Asset Quality

StrongQoQ -4
82
Sub-score

Asset quality is strong: Adjusted NPL 1.81%, Texas Ratio 11.0%, NCO YTD 0.02%.

Adjusted NPL
1.81%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
0.02%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -47
42
Sub-score

Reserves are deteriorating: ALLL 1.20% of loans, coverage 67.2%, true coverage 60.7%.

ALLL / Loans
1.20%
Coverage
67.2%
True Loss Coverage
60.7%
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 21:28:14 UTC