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Txn Bank

IDRSSD: 77253
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
88
/ 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 #77253 2025-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ +4
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.8%, cash 5.3% of assets.

Cash / Assets
5.33%
Loans / Deposits
55.84%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.90%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 15.41%, CET1 15.41%, leverage 9.70%.

Tier 1 RBC
15.41%
CET1
15.41%
Leverage
9.70%
No watch items at this period.

Asset Quality

StableQoQ -6
79
Sub-score

Asset quality is stable: Adjusted NPL 1.12%, Texas Ratio 5.5%, NCO YTD 0.32%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
0.32%
30-89 PD
2.03%
Band 0.3% / 3.0%
90+ PD
0.44%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -8
74
Sub-score

Reserves are stable: ALLL 1.28% of loans, coverage 116.4%, true coverage 116.4%.

ALLL / Loans
1.28%
Coverage
116.4%
True Loss Coverage
116.4%
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: 2026-05-14 23:49:22 UTC