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The Claxton Bank

IDRSSD: 452739
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
94
/ 100
StrongAs of 2026-Q1QoQ -3

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 #452739 2026-Q1 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
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 Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -4
79
Sub-score

Liquidity is stable: brokered 13.2%, loans/deposits 83.5%, cash 7.5% of assets.

Cash / Assets
7.53%
Loans / Deposits
83.53%
Brokered %
13.17%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.46%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.70%, CET1 15.70%, leverage 13.41%.

Tier 1 RBC
15.70%
CET1
15.70%
Leverage
13.41%
No watch items at this period.

Asset Quality

StrongQoQ -7
92
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 2.1%, NCO YTD 0.00%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
0.00%
30-89 PD
1.55%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
98
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 364.4%, true coverage 364.4%.

ALLL / Loans
1.44%
Coverage
364.4%
True Loss Coverage
364.4%
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: 2026-05-12 15:46:26 UTC