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Twin Cedars Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ -10

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

Quarterly Headline

2025-Q3

Bank #750444 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.99% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -10 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -23
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -11
74
Sub-score

Liquidity is stable: brokered 19.9%, loans/deposits 96.3%, cash 13.2% of assets.

Cash / Assets
13.24%
Loans / Deposits
96.26%
Brokered %
19.86%
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 -8
88
Sub-score

Capital position is strong: Tier 1 RBC 12.80%, CET1 12.80%, leverage 10.81%.

Tier 1 RBC
12.80%
CET1
12.80%
Leverage
10.81%
No watch items at this period.

Asset Quality

WatchQoQ -23
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.73%, Texas Ratio 11.9%, NCO YTD 1.99%.

Adjusted NPL
1.73%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
1.99%
30-89 PD
3.69%
Band 0.3% / 3.0%
90+ PD
0.85%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.99% of loans.

Reserves

StrongQoQ +2
80
Sub-score

Reserves are strong: ALLL 1.88% of loans, coverage 111.2%, true coverage 111.2%.

ALLL / Loans
1.88%
Coverage
111.2%
True Loss Coverage
111.2%
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