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Ts Bank

IDRSSD: 552545
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
78
/ 100
StableAs of 2025-Q1QoQ +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-Q1

Bank #552545 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 35.6% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.50% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -2
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
63
Sub-score

Liquidity is stable: brokered 35.6%, loans/deposits 48.0%, cash 2.5% of assets.

Cash / Assets
2.50%
Loans / Deposits
48.04%
Brokered %
35.62%

Watch Items

  • watchBrokered deposits above 30% — Brokered 35.6% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.50% of assets (threshold 3%).

Securities

StrongQoQ -2
89
Sub-score

Securities profile is strong: securities 23.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.41%
No watch items at this period.

Capitalization

WatchQoQ +6
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.80%, CET1 10.80%, leverage 7.90%.

Tier 1 RBC
10.80%
CET1
10.80%
Leverage
7.90%
No watch items at this period.

Asset Quality

StrongQoQ +5
100
Sub-score

Asset quality is strong: Adjusted NPL 0.21%, Texas Ratio 1.1%, NCO YTD 0.02%.

Adjusted NPL
0.21%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.02%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
86
Sub-score

Reserves are strong: ALLL 1.08% of loans, coverage 510.9%, true coverage 510.9%.

ALLL / Loans
1.08%
Coverage
510.9%
True Loss Coverage
510.9%
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: 2026-05-13 01:51:40 UTC