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Vermont State Bank

IDRSSD: 187648
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
78
/ 100
StableAs of 2025-Q4QoQ -1

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 #187648 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.12% (govt-guarantees stripped).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.54% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ +1
100
Sub-score

Liquidity is strong: brokered 0.7%, loans/deposits 58.4%, cash 29.7% of assets.

Cash / Assets
29.67%
Loans / Deposits
58.41%
Brokered %
0.67%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.76%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 54.77%, CET1 54.41%, leverage 27.29%.

Tier 1 RBC
54.77%
CET1
54.41%
Leverage
27.29%
No watch items at this period.

Asset Quality

RiskQoQ -9
38
Sub-score

Asset quality is weak: Adjusted NPL 5.12%, Texas Ratio 8.1%, NCO YTD 1.54%.

Adjusted NPL
5.12%
Govt-guarantees stripped
Texas Ratio
8.1%
NCO YTD
1.54%
30-89 PD
3.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.12% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.54% of loans.

Reserves

WatchQoQ +5
57
Sub-score

Reserves are deteriorating: ALLL 4.65% of loans, coverage 95.4%, true coverage 59.6%.

ALLL / Loans
4.65%
Coverage
95.4%
True Loss Coverage
59.6%
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: 2026-05-15 02:45:28 UTC