Visbanking Logo
Skip to main content

The Donley County State Bank

IDRSSD: 753856
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q4QoQ +14

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

Quarterly Headline

2025-Q4

Bank #753856 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.11% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +14 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -5
  • Capitalization
    — —
  • Asset Quality
    ↑ +30
  • Reserves
    ↑ +47

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 16.7%, cash 21.7% of assets.

Cash / Assets
21.68%
Loans / Deposits
16.69%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -5
0
Sub-score

Securities profile is weak: securities 51.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
51.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 67.62%, CET1 67.62%, leverage 19.89%.

Tier 1 RBC
67.62%
CET1
67.62%
Leverage
19.89%
No watch items at this period.

Asset Quality

StableQoQ +30
61
Sub-score

Asset quality is stable: Adjusted NPL 3.11%, Texas Ratio 2.0%, NCO YTD 0.00%.

Adjusted NPL
3.11%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.00%
30-89 PD
3.43%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.11% (govt-guarantees stripped).

Reserves

StrongQoQ +47
80
Sub-score

Reserves are strong: ALLL 3.36% of loans, coverage 111.7%, true coverage 111.7%.

ALLL / Loans
3.36%
Coverage
111.7%
True Loss Coverage
111.7%
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: 2026-05-12 03:27:58 UTC