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Ts Bank

IDRSSD: 552545
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
74
/ 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 #552545 2025-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.5% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.15% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.02%.

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ 0
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -23

The five pillars

Liquidity

StableQoQ -1
63
Sub-score

Liquidity is stable: brokered 34.5%, loans/deposits 52.8%, cash 2.1% of assets.

Cash / Assets
2.15%
Loans / Deposits
52.76%
Brokered %
34.52%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.5% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.15% of assets (threshold 3%).

Securities

StrongQoQ 0
93
Sub-score

Securities profile is strong: securities 22.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.02%
No watch items at this period.

Capitalization

StableQoQ +2
69
Sub-score

Capital position is stable: Tier 1 RBC 11.52%, CET1 11.52%, leverage 9.21%.

Tier 1 RBC
11.52%
CET1
11.52%
Leverage
9.21%
No watch items at this period.

Asset Quality

StrongQoQ -7
85
Sub-score

Asset quality is strong: Adjusted NPL 1.34%, Texas Ratio 6.8%, NCO YTD 0.06%.

Adjusted NPL
1.34%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
0.06%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
1.02%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.02%.

Reserves

StableQoQ -23
61
Sub-score

Reserves are stable: ALLL 1.20% of loans, coverage 90.9%, true coverage 90.9%.

ALLL / Loans
1.20%
Coverage
90.9%
True Loss Coverage
90.9%
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