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Ts Bank

IDRSSD: 552545
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2026-Q1QoQ +9

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

Quarterly Headline

2026-Q1

Bank #552545 2026-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.1% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.92% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +9 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +4
  • Capitalization
    ↑ +11
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +28

The five pillars

Liquidity

StableQoQ 0
62
Sub-score

Liquidity is stable: brokered 36.1%, loans/deposits 58.8%, cash 1.9% of assets.

Cash / Assets
1.92%
Loans / Deposits
58.80%
Brokered %
36.10%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.1% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.92% of assets (threshold 3%).

Securities

StrongQoQ +4
97
Sub-score

Securities profile is strong: securities 20.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.85%
No watch items at this period.

Capitalization

StrongQoQ +11
80
Sub-score

Capital position is strong: Tier 1 RBC 12.23%, CET1 12.23%, leverage 10.09%.

Tier 1 RBC
12.23%
CET1
12.23%
Leverage
10.09%
No watch items at this period.

Asset Quality

StrongQoQ +7
92
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 3.0%, NCO YTD 0.01%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.01%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
0.36%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +28
90
Sub-score

Reserves are strong: ALLL 1.19% of loans, coverage 200.6%, true coverage 200.6%.

ALLL / Loans
1.19%
Coverage
200.6%
True Loss Coverage
200.6%
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