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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2026-Q1QoQ 0

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 #2298995 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.21% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -16

The five pillars

Liquidity

WatchQoQ -2
60
Sub-score

Liquidity is deteriorating: brokered 13.0%, loans/deposits 94.1%, cash 1.2% of assets.

Cash / Assets
1.21%
Loans / Deposits
94.14%
Brokered %
13.04%

Watch Items

  • watchCash / Assets below 3% — Cash 1.21% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.14%
No watch items at this period.

Capitalization

StableQoQ +9
69
Sub-score

Capital position is stable: Tier 1 RBC 11.29%, CET1 11.29%, leverage 9.75%.

Tier 1 RBC
11.29%
CET1
11.29%
Leverage
9.75%
No watch items at this period.

Asset Quality

StrongQoQ +3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 4.7%, NCO YTD -0.02%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
-0.02%
30-89 PD
0.52%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -16
64
Sub-score

Reserves are stable: ALLL 0.85% of loans, coverage 134.5%, true coverage 134.3%.

ALLL / Loans
0.85%
Coverage
134.5%
True Loss Coverage
134.3%
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: 2026-05-13 11:41:05 UTC