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Village Bank

IDRSSD: 2010722
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #2010722 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.09% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -30

The five pillars

Liquidity

StableQoQ -2
79
Sub-score

Liquidity is stable: brokered 0.1%, loans/deposits 76.9%, cash 2.1% of assets.

Cash / Assets
2.09%
Loans / Deposits
76.87%
Brokered %
0.14%

Watch Items

  • infoCash / Assets below 3% — Cash 2.09% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.87%
No watch items at this period.

Capitalization

StrongQoQ +1
82
Sub-score

Capital position is strong: Tier 1 RBC 12.69%, CET1 12.69%, leverage 8.93%.

Tier 1 RBC
12.69%
CET1
12.69%
Leverage
8.93%
No watch items at this period.

Asset Quality

StrongQoQ -10
86
Sub-score

Asset quality is strong: Adjusted NPL 2.08%, Texas Ratio 14.2%, NCO YTD 0.02%.

Adjusted NPL
2.08%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
0.02%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.08% (govt-guarantees stripped).

Reserves

WatchQoQ -30
55
Sub-score

Reserves are deteriorating: ALLL 1.47% of loans, coverage 71.6%, true coverage 67.9%.

ALLL / Loans
1.47%
Coverage
71.6%
True Loss Coverage
67.9%
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 11:32:51 UTC