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Village Bank And Trust National Association

IDRSSD: 2298995
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 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 #2298995 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.53% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ -3
62
Sub-score

Liquidity is stable: brokered 12.2%, loans/deposits 92.2%, cash 1.5% of assets.

Cash / Assets
1.53%
Loans / Deposits
92.23%
Brokered %
12.17%

Watch Items

  • watchCash / Assets below 3% — Cash 1.53% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.23%
No watch items at this period.

Capitalization

StableQoQ +1
61
Sub-score

Capital position is stable: Tier 1 RBC 10.61%, CET1 10.61%, leverage 9.34%.

Tier 1 RBC
10.61%
CET1
10.61%
Leverage
9.34%
No watch items at this period.

Asset Quality

StrongQoQ -5
94
Sub-score

Asset quality is strong: Adjusted NPL 0.41%, Texas Ratio 3.1%, NCO YTD -0.33%.

Adjusted NPL
0.41%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
-0.33%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +9
80
Sub-score

Reserves are strong: ALLL 0.91% of loans, coverage 224.6%, true coverage 224.6%.

ALLL / Loans
0.91%
Coverage
224.6%
True Loss Coverage
224.6%
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: 2026-05-13 11:41:05 UTC