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IDRSSD: 953852
Total Assets
—
Latest filing
Total Deposits
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Latest filing
Net Interest Margin
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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
83
/ 100
StrongAs of 2025-Q4QoQ -9

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 #953852 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.04%.

What changed this quarter

Compared to Q3 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -39

The five pillars

Liquidity

StrongQoQ -1
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.1%, cash 9.2% of assets.

Cash / Assets
9.22%
Loans / Deposits
55.12%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.59%
No watch items at this period.

Capitalization

StrongQoQ -2
88
Sub-score

Capital position is strong: Tier 1 RBC 13.49%, CET1 13.49%, leverage 8.96%.

Tier 1 RBC
13.49%
CET1
13.49%
Leverage
8.96%
No watch items at this period.

Asset Quality

StableQoQ -10
79
Sub-score

Asset quality is stable: Adjusted NPL 1.13%, Texas Ratio 6.1%, NCO YTD 0.00%.

Adjusted NPL
1.13%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.00%
30-89 PD
1.46%
Band 0.3% / 3.0%
90+ PD
1.04%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.04%.

Reserves

WatchQoQ -39
42
Sub-score

Reserves are deteriorating: ALLL 0.87% of loans, coverage 78.2%, true coverage 78.2%.

ALLL / Loans
0.87%
Coverage
78.2%
True Loss Coverage
78.2%
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 16:41:15 UTC