Visbanking Logo
Skip to main content

Twin Cedars Bank

IDRSSD: 750444
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q2QoQ -2

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

Quarterly Headline

2025-Q2

Bank #750444 2025-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.11%.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -18

The five pillars

Liquidity

StrongQoQ +2
85
Sub-score

Liquidity is strong: brokered 5.1%, loans/deposits 93.4%, cash 14.5% of assets.

Cash / Assets
14.47%
Loans / Deposits
93.39%
Brokered %
5.07%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +3
96
Sub-score

Capital position is strong: Tier 1 RBC 13.86%, CET1 13.86%, leverage 11.33%.

Tier 1 RBC
13.86%
CET1
13.86%
Leverage
11.33%
No watch items at this period.

Asset Quality

StableQoQ -3
73
Sub-score

Asset quality is stable: Adjusted NPL 1.97%, Texas Ratio 12.5%, NCO YTD 0.01%.

Adjusted NPL
1.97%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
0.01%
30-89 PD
1.18%
Band 0.3% / 3.0%
90+ PD
1.11%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.11%.

Reserves

StableQoQ -18
78
Sub-score

Reserves are stable: ALLL 1.97% of loans, coverage 102.3%, true coverage 102.3%.

ALLL / Loans
1.97%
Coverage
102.3%
True Loss Coverage
102.3%
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: 2026-05-15 01:09:38 UTC