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The City National Bank Of Sulphur Springs

IDRSSD: 596062
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
95
/ 100
StrongAs of 2025-Q2QoQ +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-Q2

Bank #596062 2025-Q2 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +2
90
Sub-score

Liquidity is strong: brokered 1.6%, loans/deposits 74.4%, cash 6.8% of assets.

Cash / Assets
6.79%
Loans / Deposits
74.43%
Brokered %
1.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.76%
No watch items at this period.

Capitalization

StrongQoQ +1
97
Sub-score

Capital position is strong: Tier 1 RBC 14.32%, CET1 14.32%, leverage 9.60%.

Tier 1 RBC
14.32%
CET1
14.32%
Leverage
9.60%
No watch items at this period.

Asset Quality

StrongQoQ +3
94
Sub-score

Asset quality is strong: Adjusted NPL 0.84%, Texas Ratio 5.3%, NCO YTD 0.13%.

Adjusted NPL
0.84%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.13%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
97
Sub-score

Reserves are strong: ALLL 1.56% of loans, coverage 188.2%, true coverage 173.6%.

ALLL / Loans
1.56%
Coverage
188.2%
True Loss Coverage
173.6%
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: 2026-05-14 02:17:41 UTC