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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q4QoQ -9

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

Quarterly Headline

2024-Q4

Bank #254504 2024-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.12% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -50

The five pillars

Liquidity

StrongQoQ -3
81
Sub-score

Liquidity is strong: brokered 6.1%, loans/deposits 72.9%, cash 3.8% of assets.

Cash / Assets
3.75%
Loans / Deposits
72.94%
Brokered %
6.07%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.22%
No watch items at this period.

Capitalization

StrongQoQ +3
99
Sub-score

Capital position is strong: Tier 1 RBC 14.83%, CET1 14.83%, leverage 11.09%.

Tier 1 RBC
14.83%
CET1
14.83%
Leverage
11.09%
No watch items at this period.

Asset Quality

StableQoQ -7
74
Sub-score

Asset quality is stable: Adjusted NPL 1.57%, Texas Ratio 8.7%, NCO YTD 4.12%.

Adjusted NPL
1.57%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
4.12%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.12% of loans.

Reserves

RiskQoQ -50
3
Sub-score

Reserves are weak: ALLL 0.54% of loans, coverage 34.7%, true coverage 34.1%.

ALLL / Loans
0.54%
Coverage
34.7%
True Loss Coverage
34.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.54% of loans.

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