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The Geo D Warthen Bank

IDRSSD: 305237
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
93
/ 100
StrongAs of 2025-Q3QoQ -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-Q3

Bank #305237 2025-Q3 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.4%, cash 10.2% of assets.

Cash / Assets
10.15%
Loans / Deposits
63.36%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.37%, CET1 21.37%, leverage 12.41%.

Tier 1 RBC
21.37%
CET1
21.37%
Leverage
12.41%
No watch items at this period.

Asset Quality

StrongQoQ -4
87
Sub-score

Asset quality is strong: Adjusted NPL 1.42%, Texas Ratio 5.8%, NCO YTD 0.16%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.16%
30-89 PD
0.96%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
77
Sub-score

Reserves are stable: ALLL 1.46% of loans, coverage 104.5%, true coverage 104.5%.

ALLL / Loans
1.46%
Coverage
104.5%
True Loss Coverage
104.5%
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 21:55:49 UTC