Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).
Valiant Holding
VZUGCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+1.00% QoQ growth
Total Loan Book
+4.1% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2025-Q4
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 17.00% | 7.50% | $9.7B | $20.4B | +4.1% | +1.00% | 36.0% | 17.0% | 29.0% | 14 |
| 2025-Q3 | 16.90% | 7.40% | $9.6B | $20.2B | +4.1% | +1.10% | 36.0% | 17.0% | 29.0% | 17 |
| 2025-Q2 | 16.80% | 7.30% | $9.5B | $20.0B | +4.2% | +1.10% | 36.0% | 17.0% | 29.0% | 17 |
| 2025-Q1 | 16.70% | 7.20% | $9.4B | $19.8B | +4.2% | +1.10% | 36.0% | 17.0% | 29.0% | 17 |
| 2024-Q4 | 16.50% | 7.10% | $9.3B | $19.6B | +4.3% | +1.10% | 36.0% | 17.0% | 29.0% | 12 |
| 2024-Q3 | 16.60% | 7.20% | $9.2B | $19.4B | +4.3% | +1.10% | 36.0% | 17.0% | 29.0% | 12 |
| 2024-Q2 | 16.70% | 7.30% | $9.1B | $19.2B | +4.3% | +1.10% | 36.0% | 17.0% | 28.0% | 12 |
| 2024-Q1 | 16.80% | 7.40% | $9.0B | $19.0B | +4.4% | +1.10% | 36.0% | 16.0% | 28.0% | 12 |
| 2023-Q4 | 16.90% | 7.50% | $8.9B | $18.8B | +3.8% | +1.10% | 36.0% | 16.0% | 28.0% | 12 |
| 2023-Q3 | 17.00% | 7.60% | $8.8B | $18.6B | +3.8% | +1.10% | 36.0% | 16.0% | 28.0% | 12 |
| 2023-Q2 | 17.10% | 7.70% | $8.7B | $18.4B | +3.7% | +1.20% | 36.0% | 16.0% | 28.0% | 12 |
| 2023-Q1 | 17.20% | 7.80% | $8.6B | $18.2B | +3.6% | +0.40% | 36.0% | 16.0% | 28.0% | 10 |
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Score Breakdown
Live score · base 12 pts +2 macro adj
CET1 17.00% — well above management threshold
-5.00pp headroom above 8% regulatory floor
Leverage ratio 7.50% — adequate headroom
Loan book grew 4.1% YoY
RWA grew 1.0% QoQ
CRE: 36%, Lev.Loans: 0%, max(Consumer/SME): 29%
No prior SRT deals on record
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
<$50B total assets — typically too small for SRT market access
Sentiment +6/20 · global +2 pts