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Town Center Bank

IDRSSD: 3459216
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2026-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

2026-Q1

Bank #3459216 2026-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.5% (threshold 100%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.7% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -2
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 100.5%, cash 10.1% of assets.

Cash / Assets
10.12%
Loans / Deposits
100.46%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.89%
No watch items at this period.

Capitalization

StrongQoQ -3
88
Sub-score

Capital position is strong: Tier 1 RBC 12.93%, CET1 12.93%, leverage 11.25%.

Tier 1 RBC
12.93%
CET1
12.93%
Leverage
11.25%
No watch items at this period.

Asset Quality

StrongQoQ -1
83
Sub-score

Asset quality is strong: Adjusted NPL 2.26%, Texas Ratio 13.9%, NCO YTD -0.02%.

Adjusted NPL
2.26%
Govt-guarantees stripped
Texas Ratio
13.9%
NCO YTD
-0.02%
30-89 PD
0.52%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.26% (govt-guarantees stripped).

Reserves

RiskQoQ +1
30
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 49.7%, true coverage 49.7%.

ALLL / Loans
1.11%
Coverage
49.7%
True Loss Coverage
49.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).

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 07:53:11 UTC