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Vermont State Bank

IDRSSD: 187648
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, 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

  1. risk
    Adjusted 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

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.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 19.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
19.22%
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%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
0.17%
30-89 PD
2.37%
Band 0.3% / 3.0%
90+ PD
0.00%
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%. 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