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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-Q2

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

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q2QoQ +8

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 #42354 2025-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.40%.

What changed this quarter

Compared to Q1 2025:
↑ +8 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +22
  • Reserves
    ↑ +22

The five pillars

Liquidity

StableQoQ +1
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 95.2%, cash 6.1% of assets.

Cash / Assets
6.13%
Loans / Deposits
95.15%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.52%
No watch items at this period.

Capitalization

StrongQoQ -3
83
Sub-score

Capital position is strong: Tier 1 RBC 12.33%, CET1 12.33%, leverage 10.24%.

Tier 1 RBC
12.33%
CET1
12.33%
Leverage
10.24%
No watch items at this period.

Asset Quality

StrongQoQ +22
80
Sub-score

Asset quality is strong: Adjusted NPL 1.40%, Texas Ratio 10.4%, NCO YTD 0.00%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.00%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
1.40%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.40%.

Reserves

WatchQoQ +22
53
Sub-score

Reserves are deteriorating: ALLL 1.14% of loans, coverage 82.2%, true coverage 82.2%.

ALLL / Loans
1.14%
Coverage
82.2%
True Loss Coverage
82.2%
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: 2026-05-13 09:46:59 UTC