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Vantage Bank Texas

IDRSSD: 26765
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
82
/ 100
StrongAs of 2025-Q3QoQ -4

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 #26765 2025-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ 0
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.6%, cash 17.1% of assets.

Cash / Assets
17.14%
Loans / Deposits
83.56%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.22%
No watch items at this period.

Capitalization

WatchQoQ -4
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.53%, CET1 10.53%, leverage 8.79%.

Tier 1 RBC
10.53%
CET1
10.53%
Leverage
8.79%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 6.0%, NCO YTD 0.00%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
0.00%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -15
62
Sub-score

Reserves are stable: ALLL 1.28% of loans, coverage 169.8%, true coverage 49.7%.

ALLL / Loans
1.28%
Coverage
169.8%
True Loss Coverage
49.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.7% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 11:44:13 UTC