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The Bradford National Bank Of Greenville

IDRSSD: 720746
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
83
/ 100
StrongAs of 2025-Q4QoQ -4

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 #720746 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -25

The five pillars

Liquidity

StrongQoQ +4
90
Sub-score

Liquidity is strong: brokered 3.8%, loans/deposits 51.4%, cash 6.8% of assets.

Cash / Assets
6.84%
Loans / Deposits
51.44%
Brokered %
3.82%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.96%
No watch items at this period.

Capitalization

StableQoQ 0
80
Sub-score

Capital position is stable: Tier 1 RBC 12.44%, CET1 12.44%, leverage 9.12%.

Tier 1 RBC
12.44%
CET1
12.44%
Leverage
9.12%
No watch items at this period.

Asset Quality

StableQoQ -6
80
Sub-score

Asset quality is stable: Adjusted NPL 1.97%, Texas Ratio 8.4%, NCO YTD 0.52%.

Adjusted NPL
1.97%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
0.52%
30-89 PD
0.91%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -25
66
Sub-score

Reserves are stable: ALLL 1.64% of loans, coverage 84.6%, true coverage 82.4%.

ALLL / Loans
1.64%
Coverage
84.6%
True Loss Coverage
82.4%
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: 2026-05-15 08:09:06 UTC