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Transpecos Banks Ssb

IDRSSD: 908861
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-Q1QoQ +6

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

Quarterly Headline

2025-Q1

Bank #908861 2025-Q1 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↑ +6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↑ +19
  • Reserves
    ↑ +22

The five pillars

Liquidity

StrongQoQ +2
81
Sub-score

Liquidity is strong: brokered 27.9%, loans/deposits 68.9%, cash 17.2% of assets.

Cash / Assets
17.21%
Loans / Deposits
68.94%
Brokered %
27.92%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

RiskQoQ -10
40
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.76%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.76%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ +19
34
Sub-score

Asset quality is weak: Adjusted NPL 4.52%, Texas Ratio 30.3%, NCO YTD 0.02%.

Adjusted NPL
4.52%
Govt-guarantees stripped
Texas Ratio
30.3%
NCO YTD
0.02%
30-89 PD
4.03%
Band 0.3% / 3.0%
90+ PD
1.70%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.52% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.70%.

Reserves

RiskQoQ +22
36
Sub-score

Reserves are weak: ALLL 1.68% of loans, coverage 37.8%, true coverage 35.3%.

ALLL / Loans
1.68%
Coverage
37.8%
True Loss Coverage
35.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.3% (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 09:05:35 UTC