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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
94
/ 100
StrongAs of 2025-Q3QoQ +3

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 #841838 2025-Q3 Vital Signs Score: 94/100 — 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
    Uninsured deposits above 50%
    Liquidity — Uninsured 65.6% of deposits (threshold 50%).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -1
79
Sub-score

Liquidity is stable: brokered 9.6%, loans/deposits 44.4%, cash 15.1% of assets.

Cash / Assets
15.14%
Loans / Deposits
44.44%
Brokered %
9.63%

Watch Items

  • watchUninsured deposits above 50% — Uninsured 65.6% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.18%
No watch items at this period.

Capitalization

StrongQoQ +1
97
Sub-score

Capital position is strong: Tier 1 RBC 22.03%, CET1 22.03%, leverage 9.32%.

Tier 1 RBC
22.03%
CET1
22.03%
Leverage
9.32%
No watch items at this period.

Asset Quality

StrongQoQ +9
98
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 0.5%, NCO YTD 0.29%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.29%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +7
96
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 1095.2%, true coverage 477.4%.

ALLL / Loans
1.37%
Coverage
1095.2%
True Loss Coverage
477.4%
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