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Triumph State Bank

IDRSSD: 803256
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
79
/ 100
StableAs of 2025-Q4QoQ +5

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 #803256 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 28.1% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.69% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +24
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +1
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 79.6%, cash 13.3% of assets.

Cash / Assets
13.28%
Loans / Deposits
79.61%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.67%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.44%, CET1 16.44%, leverage 12.91%.

Tier 1 RBC
16.44%
CET1
16.44%
Leverage
12.91%
No watch items at this period.

Asset Quality

StableQoQ +24
63
Sub-score

Asset quality is stable: Adjusted NPL 4.69%, Texas Ratio 23.8%, NCO YTD -0.01%.

Adjusted NPL
4.69%
Govt-guarantees stripped
Texas Ratio
23.8%
NCO YTD
-0.01%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.33%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.69% (govt-guarantees stripped).

Reserves

RiskQoQ -5
27
Sub-score

Reserves are weak: ALLL 1.30% of loans, coverage 28.1%, true coverage 22.2%.

ALLL / Loans
1.30%
Coverage
28.1%
True Loss Coverage
22.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.2% (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: 2026-05-12 21:17:02 UTC