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 — 2026-Q1

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

Synthesis

Vital Signs Score
75
/ 100
StableAs 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 #750444 2026-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.26% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -33

The five pillars

Liquidity

StrongQoQ +4
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 92.4%, cash 15.1% of assets.

Cash / Assets
15.08%
Loans / Deposits
92.44%
Brokered %
0.00%
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 +2
94
Sub-score

Capital position is strong: Tier 1 RBC 13.55%, CET1 13.55%, leverage 10.70%.

Tier 1 RBC
13.55%
CET1
13.55%
Leverage
10.70%
No watch items at this period.

Asset Quality

WatchQoQ -24
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.26%, Texas Ratio 27.6%, NCO YTD 0.86%.

Adjusted NPL
4.26%
Govt-guarantees stripped
Texas Ratio
27.6%
NCO YTD
0.86%
30-89 PD
1.52%
Band 0.3% / 3.0%
90+ PD
0.29%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.26% (govt-guarantees stripped).

Reserves

WatchQoQ -33
43
Sub-score

Reserves are deteriorating: ALLL 2.12% of loans, coverage 50.9%, true coverage 50.9%.

ALLL / Loans
2.12%
Coverage
50.9%
True Loss Coverage
50.9%
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: 2026-05-15 01:09:38 UTC