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The Idabel National Bank

IDRSSD: 237954
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
68
/ 100
StableAs of 2025-Q3QoQ 0

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 #237954 2025-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.30% (govt-guarantees stripped).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.78% of assets (threshold 3%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.4% (regulatory soft-warning level 50%).

What changed this quarter

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

The five pillars

Liquidity

WatchQoQ 0
57
Sub-score

Liquidity is deteriorating: brokered 24.3%, loans/deposits 83.1%, cash 0.8% of assets.

Cash / Assets
0.78%
Loans / Deposits
83.10%
Brokered %
24.29%

Watch Items

  • riskCash / Assets below 3% — Cash 0.78% of assets (threshold 3%).

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 20.39%, CET1 20.39%, leverage 15.10%.

Tier 1 RBC
20.39%
CET1
20.39%
Leverage
15.10%
No watch items at this period.

Asset Quality

WatchQoQ -1
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 9.30%, Texas Ratio 37.2%, NCO YTD 1.26%.

Adjusted NPL
9.30%
Govt-guarantees stripped
Texas Ratio
37.2%
NCO YTD
1.26%
30-89 PD
1.18%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.30% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.26% of loans.

Reserves

RiskQoQ 0
34
Sub-score

Reserves are weak: ALLL 2.83% of loans, coverage 31.4%, true coverage 31.4%.

ALLL / Loans
2.83%
Coverage
31.4%
True Loss Coverage
31.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.4% (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: 2026-05-13 16:43:30 UTC