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Visionbank

IDRSSD: 3357077
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q1QoQ +4

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

Quarterly Headline

2025-Q1

Bank #3357077 2025-Q1 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.1% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 18.1% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.5% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +12
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +1
63
Sub-score

Liquidity is stable: brokered 25.9%, loans/deposits 118.5%, cash 10.6% of assets.

Cash / Assets
10.55%
Loans / Deposits
118.53%
Brokered %
25.88%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 118.5% (threshold 100%).

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

StableQoQ +3
73
Sub-score

Capital position is stable: Tier 1 RBC 11.74%, CET1 11.74%, leverage 9.42%.

Tier 1 RBC
11.74%
CET1
11.74%
Leverage
9.42%
No watch items at this period.

Asset Quality

StableQoQ +12
63
Sub-score

Asset quality is stable: Adjusted NPL 4.59%, Texas Ratio 40.1%, NCO YTD 0.00%.

Adjusted NPL
4.59%
Govt-guarantees stripped
Texas Ratio
40.1%
NCO YTD
0.00%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.59% (govt-guarantees stripped).

Reserves

RiskQoQ 0
11
Sub-score

Reserves are weak: ALLL 0.82% of loans, coverage 18.1%, true coverage 18.1%.

ALLL / Loans
0.82%
Coverage
18.1%
True Loss Coverage
18.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.1% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 06:20:15 UTC