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The State Exchange Bank

IDRSSD: 354851
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
54
/ 100
WatchAs 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 #354851 2025-Q3 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.1% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.6% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.16% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +10
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
71
Sub-score

Liquidity is stable: brokered 29.0%, loans/deposits 88.4%, cash 11.9% of assets.

Cash / Assets
11.91%
Loans / Deposits
88.44%
Brokered %
28.99%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.53%
No watch items at this period.

Capitalization

WatchQoQ +10
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.95%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.95%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -7
30
Sub-score

Asset quality is weak: Adjusted NPL 11.16%, Texas Ratio 75.6%, NCO YTD -0.48%.

Adjusted NPL
11.16%
Govt-guarantees stripped
Texas Ratio
75.6%
NCO YTD
-0.48%
30-89 PD
1.81%
Band 0.3% / 3.0%
90+ PD
1.86%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.16% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 75.6% (industry watch band 50% / risk band 100%).
  • watch90+ days past due elevated — 90+ PD 1.86%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.04% of loans, coverage 18.6%, true coverage 16.1%.

ALLL / Loans
2.04%
Coverage
18.6%
True Loss Coverage
16.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.1% (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: 2026-05-14 15:01:21 UTC