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The Dolores State Bank

IDRSSD: 63050
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q3QoQ -4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #63050 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.10% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ -2
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 90.4%, cash 2.1% of assets.

Cash / Assets
2.10%
Loans / Deposits
90.39%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.10% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.53%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.46%, CET1 20.46%, leverage 15.31%.

Tier 1 RBC
20.46%
CET1
20.46%
Leverage
15.31%
No watch items at this period.

Asset Quality

StrongQoQ -8
85
Sub-score

Asset quality is strong: Adjusted NPL 1.28%, Texas Ratio 5.7%, NCO YTD -0.02%.

Adjusted NPL
1.28%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
-0.02%
30-89 PD
1.47%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -11
65
Sub-score

Reserves are stable: ALLL 1.20% of loans, coverage 95.3%, true coverage 95.3%.

ALLL / Loans
1.20%
Coverage
95.3%
True Loss Coverage
95.3%
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: 2026-05-13 10:12:52 UTC