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Vision Bank

IDRSSD: 241157
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
77
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #241157 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.10% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.86% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -33

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 87.6%, cash 2.1% of assets.

Cash / Assets
2.10%
Loans / Deposits
87.63%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.10% 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
88
Sub-score

Capital position is strong: Tier 1 RBC 13.00%, CET1 13.00%, leverage 9.48%.

Tier 1 RBC
13.00%
CET1
13.00%
Leverage
9.48%
No watch items at this period.

Asset Quality

StableQoQ -8
72
Sub-score

Asset quality is stable: Adjusted NPL 2.86%, Texas Ratio 19.1%, NCO YTD 0.01%.

Adjusted NPL
2.86%
Govt-guarantees stripped
Texas Ratio
19.1%
NCO YTD
0.01%
30-89 PD
1.15%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.86% (govt-guarantees stripped).

Reserves

WatchQoQ -33
48
Sub-score

Reserves are deteriorating: ALLL 1.62% of loans, coverage 57.7%, true coverage 57.1%.

ALLL / Loans
1.62%
Coverage
57.7%
True Loss Coverage
57.1%
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