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The Dart Bank

IDRSSD: 47247
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
70
/ 100
StableAs of 2026-Q1QoQ -4

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 #47247 2026-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.6% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ -12
62
Sub-score

Liquidity is stable: brokered 16.6%, loans/deposits 106.6%, cash 8.1% of assets.

Cash / Assets
8.12%
Loans / Deposits
106.56%
Brokered %
16.56%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.06%
No watch items at this period.

Capitalization

StableQoQ +3
66
Sub-score

Capital position is stable: Tier 1 RBC 11.20%, CET1 11.20%, leverage 8.73%.

Tier 1 RBC
11.20%
CET1
11.20%
Leverage
8.73%
No watch items at this period.

Asset Quality

StrongQoQ -2
88
Sub-score

Asset quality is strong: Adjusted NPL 1.58%, Texas Ratio 14.1%, NCO YTD 0.18%.

Adjusted NPL
1.58%
Govt-guarantees stripped
Texas Ratio
14.1%
NCO YTD
0.18%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -13
28
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 61.9%, true coverage 50.2%.

ALLL / Loans
0.97%
Coverage
61.9%
True Loss Coverage
50.2%
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: 2026-05-15 03:52:22 UTC