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Varo Bank National Association

IDRSSD: 5518023
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
73
/ 100
StableAs of 2025-Q4QoQ 0

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 #5518023 2025-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 3315.1% of deposits (threshold 50%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 31.29% of loans.
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.1%, cash 58.4% of assets.

Cash / Assets
58.40%
Loans / Deposits
41.12%
Brokered %
0.00%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 3315.1% of deposits (threshold 50%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 30.59%.

Tier 1 RBC
—
CET1
0.00%
Leverage
30.59%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ +1
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 0.84%, Texas Ratio 0.8%, NCO YTD 31.29%.

Adjusted NPL
0.84%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
31.29%
30-89 PD
3.90%
Band 0.3% / 3.0%
90+ PD
0.84%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 31.29% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 9.18% of loans, coverage 1202.3%, true coverage 1202.3%.

ALLL / Loans
9.18%
Coverage
1202.3%
True Loss Coverage
1202.3%
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 11:14:45 UTC