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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q4QoQ -4

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #841838 2025-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.76% of loans.
  2. info
    Uninsured deposits above 50%
    Liquidity — Uninsured 53.1% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -7

The five pillars

Liquidity

StrongQoQ +6
85
Sub-score

Liquidity is strong: brokered 8.2%, loans/deposits 43.1%, cash 13.0% of assets.

Cash / Assets
12.95%
Loans / Deposits
43.12%
Brokered %
8.20%

Watch Items

  • infoUninsured deposits above 50% — Uninsured 53.1% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.16%
No watch items at this period.

Capitalization

StrongQoQ +3
100
Sub-score

Capital position is strong: Tier 1 RBC 26.52%, CET1 26.52%, leverage 11.26%.

Tier 1 RBC
26.52%
CET1
26.52%
Leverage
11.26%
No watch items at this period.

Asset Quality

StableQoQ -19
79
Sub-score

Asset quality is stable: Adjusted NPL 0.16%, Texas Ratio 0.6%, NCO YTD 2.76%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
2.76%
30-89 PD
0.99%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.76% of loans.

Reserves

StrongQoQ -7
88
Sub-score

Reserves are strong: ALLL 1.15% of loans, coverage 710.9%, true coverage 325.6%.

ALLL / Loans
1.15%
Coverage
710.9%
True Loss Coverage
325.6%
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