Visbanking Logo
Skip to main content

22nd State Banking Company

IDRSSD: 449430
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
66
/ 100
StableAs 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 #449430 2026-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.38% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.98%.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -7

The five pillars

Liquidity

WatchQoQ +1
58
Sub-score

Liquidity is deteriorating: brokered 22.6%, loans/deposits 95.7%, cash 3.5% of assets.

Cash / Assets
3.48%
Loans / Deposits
95.71%
Brokered %
22.57%
No watch items at this period.

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 -3
95
Sub-score

Capital position is strong: Tier 1 RBC 13.68%, CET1 13.68%, leverage 12.57%.

Tier 1 RBC
13.68%
CET1
13.68%
Leverage
12.57%
No watch items at this period.

Asset Quality

WatchQoQ +3
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.38%, Texas Ratio 28.9%, NCO YTD 0.20%.

Adjusted NPL
5.38%
Govt-guarantees stripped
Texas Ratio
28.9%
NCO YTD
0.20%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
1.98%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.38% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.98%.

Reserves

RiskQoQ -7
39
Sub-score

Reserves are weak: ALLL 2.53% of loans, coverage 48.3%, true coverage 41.3%.

ALLL / Loans
2.53%
Coverage
48.3%
True Loss Coverage
41.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.3% (Adjusted NPL + Performing Mods denominator).

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