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Thread Bank

IDRSSD: 841838
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
92
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #841838 2025-Q1 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. info
    Uninsured deposits above 50%
    Liquidity — Uninsured 55.2% of deposits (threshold 50%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 10.1%, loans/deposits 48.4%, cash 14.5% of assets.

Cash / Assets
14.46%
Loans / Deposits
48.43%
Brokered %
10.13%

Watch Items

  • infoUninsured deposits above 50% — Uninsured 55.2% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.54%
No watch items at this period.

Capitalization

StrongQoQ -2
97
Sub-score

Capital position is strong: Tier 1 RBC 20.28%, CET1 20.28%, leverage 9.28%.

Tier 1 RBC
20.28%
CET1
20.28%
Leverage
9.28%
No watch items at this period.

Asset Quality

StrongQoQ -2
91
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 1.4%, NCO YTD 0.77%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.77%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
86
Sub-score

Reserves are strong: ALLL 1.09% of loans, coverage 372.4%, true coverage 296.1%.

ALLL / Loans
1.09%
Coverage
372.4%
True Loss Coverage
296.1%
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: 2026-05-14 23:40:42 UTC