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The Commercial Bank

IDRSSD: 349129
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
83
/ 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 #349129 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

Liquidity:Strong
Securities:Risk
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
    ↓ -4
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -4
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.7%, cash 8.0% of assets.

Cash / Assets
8.05%
Loans / Deposits
39.65%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -1
6
Sub-score

Securities profile is weak: securities 48.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
48.11%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.58%, CET1 29.58%, leverage 13.30%.

Tier 1 RBC
29.58%
CET1
29.58%
Leverage
13.30%
No watch items at this period.

Asset Quality

StrongQoQ -1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.65%, Texas Ratio 1.7%, NCO YTD 0.03%.

Adjusted NPL
0.65%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.03%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
91
Sub-score

Reserves are strong: ALLL 1.26% of loans, coverage 195.6%, true coverage 188.3%.

ALLL / Loans
1.26%
Coverage
195.6%
True Loss Coverage
188.3%
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 19:35:47 UTC