Liquidity
StrongQoQ 0
100
Sub-score
Liquidity is strong: brokered 0.7%, loans/deposits 60.4%, cash 23.6% of assets.
- Cash / Assets
- 23.56%
- Loans / Deposits
- 60.36%
- Brokered %
- 0.69%
No watch items at this period.
Vermont State Bank
IDRSSD: 187648
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Bank Vital Signs Report
5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.
Synthesis
Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ +4
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 #187648 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Watch
Top 3 Watch Items
- riskAdjusted NPL above 2%Asset Quality — Adjusted NPL 5.41% (govt-guarantees stripped).
What changed this quarter
Compared to Q4 2025:
↑ +4 ptscomposite
- Liquidity↓ 0
- Securities— —
- Capitalization— —
- Asset Quality↑ +15
- Reserves↓ 0
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 19.2% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 19.22%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 59.05%, CET1 58.69%, leverage 26.35%.
- Tier 1 RBC
- 59.05%
- CET1
- 58.69%
- Leverage
- 26.35%
No watch items at this period.
Asset Quality
WatchQoQ +15
53
Sub-score
Asset quality is deteriorating: Adjusted NPL 5.41%, Texas Ratio 8.0%, NCO YTD 0.17%.
- Adjusted NPL
- 5.41%
- Texas Ratio
- 8.0%
- NCO YTD
- 0.17%
- 30-89 PD
- 2.37%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
Watch Items
- riskAdjusted NPL above 2% — Adjusted NPL 5.41% (govt-guarantees stripped).
Reserves
WatchQoQ 0
57
Sub-score
Reserves are deteriorating: ALLL 4.82% of loans, coverage 93.6%, true coverage 60.0%.
- ALLL / Loans
- 4.82%
- Coverage
- 93.6%
- True Loss Coverage
- 60.0%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See
functions/src/vitalSignsScore.tsfor exact formula and sub-score band anchors. - Pillar status
- Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
- Watch Items
- Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
- Adjusted NPL
- Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
- True Loss Coverage Ratio
- ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
- Past-due 30-89 / 90+ PD
- Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
- 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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.
Generated: 2026-05-15 02:45:28 UTC