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The Bancorp Bank National Association

IDRSSD: 2858960
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #2858960 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.27% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -16
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ -16
75
Sub-score

Liquidity is stable: brokered 5.9%, loans/deposits 85.7%, cash 3.9% of assets.

Cash / Assets
3.86%
Loans / Deposits
85.69%
Brokered %
5.89%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 15.80%, CET1 15.80%, leverage 10.33%.

Tier 1 RBC
15.80%
CET1
15.80%
Leverage
10.33%
No watch items at this period.

Asset Quality

StableQoQ -4
73
Sub-score

Asset quality is stable: Adjusted NPL 1.25%, Texas Ratio 8.3%, NCO YTD 2.27%.

Adjusted NPL
1.25%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
2.27%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.21%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.27% of loans.

Reserves

RiskQoQ -14
35
Sub-score

Reserves are weak: ALLL 0.88% of loans, coverage 71.2%, true coverage 67.2%.

ALLL / Loans
0.88%
Coverage
71.2%
True Loss Coverage
67.2%
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: 2026-05-13 14:00:57 UTC