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Triad Business Bank

IDRSSD: 5398627
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q3QoQ +3

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

Quarterly Headline

2025-Q3

Bank #5398627 2025-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.1% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.46% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +26

The five pillars

Liquidity

WatchQoQ -6
55
Sub-score

Liquidity is deteriorating: brokered 32.1%, loans/deposits 86.2%, cash 2.5% of assets.

Cash / Assets
2.46%
Loans / Deposits
86.25%
Brokered %
32.10%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.1% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.46% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.04%
No watch items at this period.

Capitalization

StableQoQ +1
72
Sub-score

Capital position is stable: Tier 1 RBC 11.44%, CET1 11.44%, leverage 10.84%.

Tier 1 RBC
11.44%
CET1
11.44%
Leverage
10.84%
No watch items at this period.

Asset Quality

StrongQoQ 0
89
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 4.1%, NCO YTD 0.00%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.00%
30-89 PD
1.81%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +26
69
Sub-score

Reserves are stable: ALLL 0.93% of loans, coverage 146.3%, true coverage 126.3%.

ALLL / Loans
0.93%
Coverage
146.3%
True Loss Coverage
126.3%
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 11:14:12 UTC