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The Federal Savings Bank

IDRSSD: 2806877
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
69
/ 100
StableAs of 2025-Q4QoQ -1

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 #2806877 2025-Q4 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 15.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 20.5% (regulatory soft-warning level 50%).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 121.3% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ +2
48
Sub-score

Liquidity is deteriorating: brokered 31.1%, loans/deposits 121.3%, cash 4.7% of assets.

Cash / Assets
4.74%
Loans / Deposits
121.26%
Brokered %
31.10%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.1% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 121.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.36%, CET1 19.36%, leverage 14.44%.

Tier 1 RBC
19.36%
CET1
19.36%
Leverage
14.44%
No watch items at this period.

Asset Quality

StableQoQ -8
73
Sub-score

Asset quality is stable: Adjusted NPL 3.38%, Texas Ratio 19.6%, NCO YTD 0.12%.

Adjusted NPL
3.38%
Govt-guarantees stripped
Texas Ratio
19.6%
NCO YTD
0.12%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.38% (govt-guarantees stripped).

Reserves

RiskQoQ +3
6
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 20.5%, true coverage 15.9%.

ALLL / Loans
0.69%
Coverage
20.5%
True Loss Coverage
15.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.9% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.69% of loans.

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 14:03:49 UTC