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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q2QoQ -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-Q2

Bank #841838 2025-Q2 Vital Signs Score: 91/100 — 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. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 62.4% of deposits (threshold 50%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.07% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ -3
80
Sub-score

Liquidity is strong: brokered 10.1%, loans/deposits 48.3%, cash 13.5% of assets.

Cash / Assets
13.46%
Loans / Deposits
48.29%
Brokered %
10.07%

Watch Items

  • watchUninsured deposits above 50% — Uninsured 62.4% 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
6.53%
No watch items at this period.

Capitalization

StrongQoQ -1
96
Sub-score

Capital position is strong: Tier 1 RBC 20.92%, CET1 20.92%, leverage 9.14%.

Tier 1 RBC
20.92%
CET1
20.92%
Leverage
9.14%
No watch items at this period.

Asset Quality

StrongQoQ -1
90
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 0.8%, NCO YTD 1.07%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
1.07%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.07% of loans.

Reserves

StrongQoQ +2
88
Sub-score

Reserves are strong: ALLL 1.15% of loans, coverage 627.3%, true coverage 446.5%.

ALLL / Loans
1.15%
Coverage
627.3%
True Loss Coverage
446.5%
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