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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q3QoQ -5

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

Quarterly Headline

2025-Q3

Bank #2858960 2025-Q3 Vital Signs Score: 73/100 — 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. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.99% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.41% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ -10
65
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 90.9%, cash 1.0% of assets.

Cash / Assets
0.99%
Loans / Deposits
90.90%
Brokered %
6.86%

Watch Items

  • riskCash / Assets below 3% — Cash 0.99% of assets (threshold 3%).

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
99
Sub-score

Capital position is strong: Tier 1 RBC 14.66%, CET1 14.66%, leverage 9.85%.

Tier 1 RBC
14.66%
CET1
14.66%
Leverage
9.85%
No watch items at this period.

Asset Quality

StableQoQ -7
66
Sub-score

Asset quality is stable: Adjusted NPL 1.64%, Texas Ratio 11.9%, NCO YTD 2.41%.

Adjusted NPL
1.64%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
2.41%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.49%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.41% of loans.

Reserves

RiskQoQ -7
29
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 57.9%, true coverage 55.4%.

ALLL / Loans
0.94%
Coverage
57.9%
True Loss Coverage
55.4%
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