Visbanking Logo
Skip to main content

Tristate Capital Bank

IDRSSD: 3475083
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #3475083 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.35% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ -2
91
Sub-score

Liquidity is strong: brokered 3.2%, loans/deposits 82.8%, cash 12.5% of assets.

Cash / Assets
12.48%
Loans / Deposits
82.77%
Brokered %
3.18%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.80%
No watch items at this period.

Capitalization

StrongQoQ 0
89
Sub-score

Capital position is strong: Tier 1 RBC 17.94%, CET1 17.94%, leverage 7.46%.

Tier 1 RBC
17.94%
CET1
17.94%
Leverage
7.46%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.48%, Texas Ratio 4.8%, NCO YTD 0.17%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.17%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -15
18
Sub-score

Reserves are weak: ALLL 0.35% of loans, coverage 73.1%, true coverage 56.4%.

ALLL / Loans
0.35%
Coverage
73.1%
True Loss Coverage
56.4%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.35% of loans.

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 08:57:59 UTC