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The Middlefield Banking Company

IDRSSD: 177920
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
85
/ 100
StrongAs of 2025-Q4QoQ +6

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 #177920 2025-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.0% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.09% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +6 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +29

The five pillars

Liquidity

StableQoQ -5
64
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 106.0%, cash 2.1% of assets.

Cash / Assets
2.09%
Loans / Deposits
106.03%
Brokered %
1.30%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.09% 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

StrongQoQ +6
87
Sub-score

Capital position is strong: Tier 1 RBC 12.71%, CET1 12.71%, leverage 10.78%.

Tier 1 RBC
12.71%
CET1
12.71%
Leverage
10.78%
No watch items at this period.

Asset Quality

StrongQoQ +5
92
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 7.3%, NCO YTD -0.04%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
-0.04%
30-89 PD
0.68%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +29
83
Sub-score

Reserves are strong: ALLL 1.43% of loans, coverage 133.4%, true coverage 108.0%.

ALLL / Loans
1.43%
Coverage
133.4%
True Loss Coverage
108.0%
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: 2026-05-15 05:15:33 UTC