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Tri Valley Bank

IDRSSD: 404943
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
62
/ 100
StableAs of 2026-Q1QoQ -2

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 #404943 2026-Q1 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.03% (govt-guarantees stripped).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.54% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +15
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -23
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +15
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.9%, cash 10.5% of assets.

Cash / Assets
10.49%
Loans / Deposits
65.93%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.35%
No watch items at this period.

Capitalization

WatchQoQ +1
44
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.24%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.24%

Watch Items

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

Asset Quality

WatchQoQ -23
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.03%, Texas Ratio 23.5%, NCO YTD 1.54%.

Adjusted NPL
4.03%
Govt-guarantees stripped
Texas Ratio
23.5%
NCO YTD
1.54%
30-89 PD
2.62%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.03% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.54% of loans.

Reserves

WatchQoQ +1
42
Sub-score

Reserves are deteriorating: ALLL 2.17% of loans, coverage 55.1%, true coverage 45.0%.

ALLL / Loans
2.17%
Coverage
55.1%
True Loss Coverage
45.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.0% (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 13:34:38 UTC