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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ +2

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 #2858960 2025-Q4 Vital Signs Score: 75/100 — 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
    Cash / Assets below 3%
    Liquidity — Cash 1.20% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.23% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ +1
66
Sub-score

Liquidity is stable: brokered 8.2%, loans/deposits 87.9%, cash 1.2% of assets.

Cash / Assets
1.20%
Loans / Deposits
87.94%
Brokered %
8.17%

Watch Items

  • watchCash / Assets below 3% — Cash 1.20% 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 -3
96
Sub-score

Capital position is strong: Tier 1 RBC 14.03%, CET1 14.03%, leverage 9.70%.

Tier 1 RBC
14.03%
CET1
14.03%
Leverage
9.70%
No watch items at this period.

Asset Quality

StableQoQ +5
72
Sub-score

Asset quality is stable: Adjusted NPL 1.32%, Texas Ratio 10.3%, NCO YTD 2.23%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
2.23%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.43%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.23% of loans.

Reserves

RiskQoQ +7
36
Sub-score

Reserves are weak: ALLL 0.91% of loans, coverage 69.7%, true coverage 66.6%.

ALLL / Loans
0.91%
Coverage
69.7%
True Loss Coverage
66.6%
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