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Texasbank

IDRSSD: 232856
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
94
/ 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 #232856 2026-Q1 Vital Signs Score: 94/100 — 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. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.3% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ +10 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +48

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 4.9%, loans/deposits 101.3%, cash 11.1% of assets.

Cash / Assets
11.06%
Loans / Deposits
101.29%
Brokered %
4.92%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.81%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.59%, CET1 17.59%, leverage 12.66%.

Tier 1 RBC
17.59%
CET1
17.59%
Leverage
12.66%
No watch items at this period.

Asset Quality

StrongQoQ +13
96
Sub-score

Asset quality is strong: Adjusted NPL 0.48%, Texas Ratio 3.0%, NCO YTD 0.17%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.17%
30-89 PD
0.86%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +48
90
Sub-score

Reserves are strong: ALLL 1.20% of loans, coverage 253.1%, true coverage 173.2%.

ALLL / Loans
1.20%
Coverage
253.1%
True Loss Coverage
173.2%
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