Liquidity
StableQoQ -9
73
Sub-score
Liquidity is stable: brokered 8.7%, loans/deposits 94.1%, cash 5.9% of assets.
- Cash / Assets
- 5.90%
- Loans / Deposits
- 94.08%
- Brokered %
- 8.68%
No watch items at this period.
Upper Peninsula State Bank
IDRSSD: 236957
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
81
/ 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 #236957 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q1 2025:
↓ -2 ptscomposite
- Liquidity↓ -9
- Securities— —
- Capitalization— —
- Asset Quality— —
- Reserves↓ -2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.1% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 1.13%
SVB watch metric
No watch items at this period.
Capitalization
Watch
50
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 13.09%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 13.09%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.05%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- 0.05%
- 30-89 PD
- 0.06%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ -2
91
Sub-score
Reserves are strong: ALLL 1.24% of loans, coverage 34270.0%, true coverage 34270.0%.
- ALLL / Loans
- 1.24%
- Coverage
- 34270.0%
- True Loss Coverage
- 34270.0%
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.tsfor 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 08:41:50 UTC