Visbanking Logo
Skip to main content

Vision Bank

IDRSSD: 241157
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
84
/ 100
StrongAs of 2025-Q3QoQ -2

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 #241157 2025-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.78% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 88.7%, cash 1.8% of assets.

Cash / Assets
1.78%
Loans / Deposits
88.69%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.78% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +3
91
Sub-score

Capital position is strong: Tier 1 RBC 13.32%, CET1 13.32%, leverage 9.57%.

Tier 1 RBC
13.32%
CET1
13.32%
Leverage
9.57%
No watch items at this period.

Asset Quality

StableQoQ -8
79
Sub-score

Asset quality is stable: Adjusted NPL 1.24%, Texas Ratio 8.3%, NCO YTD 0.11%.

Adjusted NPL
1.24%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.11%
30-89 PD
2.57%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -5
81
Sub-score

Reserves are strong: ALLL 1.47% of loans, coverage 120.1%, true coverage 117.2%.

ALLL / Loans
1.47%
Coverage
120.1%
True Loss Coverage
117.2%
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 16:17:36 UTC