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Visionbank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q2QoQ +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-Q2

Bank #3357077 2025-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 119.8% (threshold 100%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 33.4% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +1
63
Sub-score

Liquidity is stable: brokered 25.0%, loans/deposits 119.8%, cash 10.6% of assets.

Cash / Assets
10.65%
Loans / Deposits
119.80%
Brokered %
24.98%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 119.8% (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

StrongQoQ +7
80
Sub-score

Capital position is strong: Tier 1 RBC 12.46%, CET1 12.46%, leverage 9.26%.

Tier 1 RBC
12.46%
CET1
12.46%
Leverage
9.26%
No watch items at this period.

Asset Quality

StableQoQ +7
70
Sub-score

Asset quality is stable: Adjusted NPL 2.57%, Texas Ratio 21.9%, NCO YTD 0.01%.

Adjusted NPL
2.57%
Govt-guarantees stripped
Texas Ratio
21.9%
NCO YTD
0.01%
30-89 PD
1.99%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.57% (govt-guarantees stripped).

Reserves

RiskQoQ +3
13
Sub-score

Reserves are weak: ALLL 0.85% of loans, coverage 33.4%, true coverage 33.4%.

ALLL / Loans
0.85%
Coverage
33.4%
True Loss Coverage
33.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 33.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.4% (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