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22nd State Banking Company

IDRSSD: 449430
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ -10

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

Quarterly Headline

2024-Q3

Bank #449430 2024-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.77% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -10 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↓ -35
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -14
57
Sub-score

Liquidity is deteriorating: brokered 23.3%, loans/deposits 91.9%, cash 2.8% of assets.

Cash / Assets
2.77%
Loans / Deposits
91.88%
Brokered %
23.31%

Watch Items

  • infoCash / Assets below 3% — Cash 2.77% of assets (threshold 3%).

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

StableQoQ -35
61
Sub-score

Capital position is stable: Tier 1 RBC 10.31%, CET1 10.31%, leverage 10.69%.

Tier 1 RBC
10.31%
CET1
10.31%
Leverage
10.69%
No watch items at this period.

Asset Quality

StableQoQ +8
76
Sub-score

Asset quality is stable: Adjusted NPL 1.68%, Texas Ratio 13.5%, NCO YTD 0.11%.

Adjusted NPL
1.68%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
0.11%
30-89 PD
1.09%
Band 0.3% / 3.0%
90+ PD
0.99%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
44
Sub-score

Reserves are deteriorating: ALLL 1.33% of loans, coverage 80.6%, true coverage 50.2%.

ALLL / Loans
1.33%
Coverage
80.6%
True Loss Coverage
50.2%
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: 2026-05-12 16:32:57 UTC