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The Tampa State Bank

IDRSSD: 358756
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2025-Q3. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ -24

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 #358756 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. watch
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 3.09% (PCA threshold 5%).
  2. watch
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 6.73% (PCA threshold 8%).
  3. info
    CET1 below 7%
    Capitalization — CET1 6.73% (threshold 7%).

What changed this quarter

Compared to Q2 2025:
↓ -24 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -95
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.4%, cash 42.4% of assets.

Cash / Assets
42.35%
Loans / Deposits
53.44%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.40%
No watch items at this period.

Capitalization

RiskQoQ -95
3
Sub-score

Capital position is weak: Tier 1 RBC 6.73%, CET1 6.73%, leverage 3.09%.

Tier 1 RBC
6.73%
CET1
6.73%
Leverage
3.09%

Watch Items

  • watchTier 1 RBC below 8% — Tier 1 RBC 6.73% (PCA threshold 8%).
  • infoCET1 below 7% — CET1 6.73% (threshold 7%).
  • watchTier 1 Leverage below 5% — Tier 1 Leverage 3.09% (PCA threshold 5%).

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.01%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
-0.01%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.44% of loans.

ALLL / Loans
2.44%
Coverage
—
True Loss Coverage
—
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-15 05:39:44 UTC