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The Bank

IDRSSD: 333650
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ -9

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

Quarterly Headline

2025-Q1

Bank #333650 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.77% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -9 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -30
  • Reserves
    ↓ -10

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.5%, cash 16.5% of assets.

Cash / Assets
16.50%
Loans / Deposits
64.53%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.90%
No watch items at this period.

Capitalization

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 15.70%, CET1 15.70%, leverage 9.62%.

Tier 1 RBC
15.70%
CET1
15.70%
Leverage
9.62%
No watch items at this period.

Asset Quality

WatchQoQ -30
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.77%, Texas Ratio 19.8%, NCO YTD -0.08%.

Adjusted NPL
3.77%
Govt-guarantees stripped
Texas Ratio
19.8%
NCO YTD
-0.08%
30-89 PD
2.80%
Band 0.3% / 3.0%
90+ PD
0.84%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.77% (govt-guarantees stripped).

Reserves

RiskQoQ -10
39
Sub-score

Reserves are weak: ALLL 1.98% of loans, coverage 53.6%, true coverage 40.5%.

ALLL / Loans
1.98%
Coverage
53.6%
True Loss Coverage
40.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.5% (Adjusted NPL + Performing Mods denominator).

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 04:03:53 UTC