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IDRSSD: 953852
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #953852 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +2
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.2%, cash 11.9% of assets.

Cash / Assets
11.88%
Loans / Deposits
53.22%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.65%
No watch items at this period.

Capitalization

StableQoQ -8
80
Sub-score

Capital position is stable: Tier 1 RBC 12.82%, CET1 12.82%, leverage 8.37%.

Tier 1 RBC
12.82%
CET1
12.82%
Leverage
8.37%
No watch items at this period.

Asset Quality

StrongQoQ +6
84
Sub-score

Asset quality is strong: Adjusted NPL 1.08%, Texas Ratio 6.1%, NCO YTD 0.06%.

Adjusted NPL
1.08%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.06%
30-89 PD
0.69%
Band 0.3% / 3.0%
90+ PD
1.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -3
38
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 76.3%, true coverage 76.3%.

ALLL / Loans
0.81%
Coverage
76.3%
True Loss Coverage
76.3%
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