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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q4QoQ +9

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 #750444 2025-Q4 Vital Signs Score: 85/100 — 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
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.02% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +9 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +25
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +11
84
Sub-score

Liquidity is strong: brokered 6.6%, loans/deposits 92.3%, cash 16.3% of assets.

Cash / Assets
16.30%
Loans / Deposits
92.31%
Brokered %
6.57%
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 +4
92
Sub-score

Capital position is strong: Tier 1 RBC 13.24%, CET1 13.24%, leverage 10.85%.

Tier 1 RBC
13.24%
CET1
13.24%
Leverage
10.85%
No watch items at this period.

Asset Quality

StableQoQ +25
74
Sub-score

Asset quality is stable: Adjusted NPL 2.02%, Texas Ratio 13.4%, NCO YTD 0.24%.

Adjusted NPL
2.02%
Govt-guarantees stripped
Texas Ratio
13.4%
NCO YTD
0.24%
30-89 PD
1.94%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.02% (govt-guarantees stripped).

Reserves

StableQoQ -4
77
Sub-score

Reserves are stable: ALLL 1.95% of loans, coverage 98.4%, true coverage 98.4%.

ALLL / Loans
1.95%
Coverage
98.4%
True Loss Coverage
98.4%
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