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Visionbank

IDRSSD: 3357077
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
75
/ 100
StableAs of 2025-Q3QoQ +8

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 #3357077 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.5% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +8 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +10

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 24.7%, loans/deposits 110.5%, cash 15.8% of assets.

Cash / Assets
15.75%
Loans / Deposits
110.47%
Brokered %
24.69%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.5% (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

StrongQoQ +9
89
Sub-score

Capital position is strong: Tier 1 RBC 13.31%, CET1 13.31%, leverage 9.51%.

Tier 1 RBC
13.31%
CET1
13.31%
Leverage
9.51%
No watch items at this period.

Asset Quality

StrongQoQ +17
87
Sub-score

Asset quality is strong: Adjusted NPL 1.57%, Texas Ratio 12.6%, NCO YTD 0.13%.

Adjusted NPL
1.57%
Govt-guarantees stripped
Texas Ratio
12.6%
NCO YTD
0.13%
30-89 PD
0.79%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +10
23
Sub-score

Reserves are weak: ALLL 0.83% of loans, coverage 53.5%, true coverage 53.5%.

ALLL / Loans
0.83%
Coverage
53.5%
True Loss Coverage
53.5%
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: 2026-05-14 06:20:15 UTC