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The Donley County State Bank

IDRSSD: 753856
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
59
/ 100
WatchAs of 2025-Q3QoQ -19

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 #753856 2025-Q3 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 13.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 13.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 22.73% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -19 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↓ -36
  • Reserves
    ↓ -67

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 18.3%, cash 23.1% of assets.

Cash / Assets
23.10%
Loans / Deposits
18.29%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +1
5
Sub-score

Securities profile is weak: securities 48.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
48.57%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 64.97%, CET1 64.97%, leverage 20.47%.

Tier 1 RBC
64.97%
CET1
64.97%
Leverage
20.47%
No watch items at this period.

Asset Quality

RiskQoQ -36
31
Sub-score

Asset quality is weak: Adjusted NPL 22.73%, Texas Ratio 16.2%, NCO YTD 0.21%.

Adjusted NPL
22.73%
Govt-guarantees stripped
Texas Ratio
16.2%
NCO YTD
0.21%
30-89 PD
6.13%
Band 0.3% / 3.0%
90+ PD
19.81%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 22.73% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 19.81%.

Reserves

RiskQoQ -67
33
Sub-score

Reserves are weak: ALLL 3.03% of loans, coverage 13.7%, true coverage 13.7%.

ALLL / Loans
3.03%
Coverage
13.7%
True Loss Coverage
13.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 13.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.7% (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: 2026-05-12 03:27:58 UTC