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Visionbank

IDRSSD: 3357077
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
79
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #3357077 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.8% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +31

The five pillars

Liquidity

StableQoQ +1
64
Sub-score

Liquidity is stable: brokered 23.3%, loans/deposits 118.8%, cash 10.7% of assets.

Cash / Assets
10.75%
Loans / Deposits
118.85%
Brokered %
23.31%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 118.8% (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 -4
85
Sub-score

Capital position is strong: Tier 1 RBC 12.74%, CET1 12.74%, leverage 9.63%.

Tier 1 RBC
12.74%
CET1
12.74%
Leverage
9.63%
No watch items at this period.

Asset Quality

StrongQoQ +2
89
Sub-score

Asset quality is strong: Adjusted NPL 0.87%, Texas Ratio 7.3%, NCO YTD -0.03%.

Adjusted NPL
0.87%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
-0.03%
30-89 PD
1.58%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +31
54
Sub-score

Reserves are deteriorating: ALLL 0.84% of loans, coverage 97.7%, true coverage 97.7%.

ALLL / Loans
0.84%
Coverage
97.7%
True Loss Coverage
97.7%
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