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Cattaraugus County Bank

IDRSSD: 254504
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
84
/ 100
StrongAs of 2024-Q3QoQ +5

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 #254504 2024-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.63% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +11

The five pillars

Liquidity

StrongQoQ +4
83
Sub-score

Liquidity is strong: brokered 9.8%, loans/deposits 71.9%, cash 5.9% of assets.

Cash / Assets
5.85%
Loans / Deposits
71.93%
Brokered %
9.78%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.80%
No watch items at this period.

Capitalization

StrongQoQ +1
96
Sub-score

Capital position is strong: Tier 1 RBC 13.75%, CET1 13.75%, leverage 10.92%.

Tier 1 RBC
13.75%
CET1
13.75%
Leverage
10.92%
No watch items at this period.

Asset Quality

StrongQoQ +9
81
Sub-score

Asset quality is strong: Adjusted NPL 2.63%, Texas Ratio 13.8%, NCO YTD -0.35%.

Adjusted NPL
2.63%
Govt-guarantees stripped
Texas Ratio
13.8%
NCO YTD
-0.35%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.63% (govt-guarantees stripped).

Reserves

WatchQoQ +11
53
Sub-score

Reserves are deteriorating: ALLL 1.67% of loans, coverage 64.8%, true coverage 64.3%.

ALLL / Loans
1.67%
Coverage
64.8%
True Loss Coverage
64.3%
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: 2026-05-14 14:06:05 UTC