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Tradition Capital Bank

IDRSSD: 3344321
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
75
/ 100
StableAs 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 #3344321 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.0% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -4
63
Sub-score

Liquidity is stable: brokered 7.4%, loans/deposits 110.0%, cash 4.5% of assets.

Cash / Assets
4.53%
Loans / Deposits
109.96%
Brokered %
7.36%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.54%
No watch items at this period.

Capitalization

WatchQoQ -1
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.94%, CET1 9.94%, leverage 8.24%.

Tier 1 RBC
9.94%
CET1
9.94%
Leverage
8.24%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.9%, NCO YTD 0.01%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.01%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
67
Sub-score

Reserves are stable: ALLL 1.24% of loans, coverage 573.6%, true coverage 48.5%.

ALLL / Loans
1.24%
Coverage
573.6%
True Loss Coverage
48.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.5% (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 06:18:28 UTC