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The Bank Of New York Mellon

IDRSSD: 541101
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
89
/ 100
StrongAs of 2026-Q1QoQ 0

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 #541101 2026-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.35% of loans.

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    — —
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ +2
97
Sub-score

Liquidity is strong: brokered 4.0%, loans/deposits 19.9%.

Cash / Assets
—
Loans / Deposits
19.90%
Brokered %
4.01%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.37%
No watch items at this period.

Capitalization

StableQoQ -6
78
Sub-score

Capital position is stable: Tier 1 RBC 14.38%, CET1 14.38%, leverage 6.00%.

Tier 1 RBC
14.38%
CET1
14.38%
Leverage
6.00%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 0.2%, NCO YTD -0.09%.

Adjusted NPL
0.09%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
-0.09%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
67
Sub-score

Reserves are stable: ALLL 0.35% of loans, coverage 383.6%, true coverage 118.5%.

ALLL / Loans
0.35%
Coverage
383.6%
True Loss Coverage
118.5%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.35% of loans.

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: 2026-05-14 13:28:52 UTC