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The Commercial National Bank Of Brady

IDRSSD: 42354
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
71
/ 100
StableAs of 2025-Q1QoQ -17

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 #42354 2025-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.73%.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.9% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -17 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -41
  • Reserves
    ↓ -42

The five pillars

Liquidity

StableQoQ -5
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 86.6%, cash 3.8% of assets.

Cash / Assets
3.79%
Loans / Deposits
86.63%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.80%
No watch items at this period.

Capitalization

StrongQoQ +3
85
Sub-score

Capital position is strong: Tier 1 RBC 12.55%, CET1 12.55%, leverage 10.03%.

Tier 1 RBC
12.55%
CET1
12.55%
Leverage
10.03%
No watch items at this period.

Asset Quality

WatchQoQ -41
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.73%, Texas Ratio 19.7%, NCO YTD 0.00%.

Adjusted NPL
2.73%
Govt-guarantees stripped
Texas Ratio
19.7%
NCO YTD
0.00%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
2.73%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.73% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.73%.

Reserves

RiskQoQ -42
31
Sub-score

Reserves are weak: ALLL 1.21% of loans, coverage 44.9%, true coverage 44.9%.

ALLL / Loans
1.21%
Coverage
44.9%
True Loss Coverage
44.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.9% (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 09:46:59 UTC