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Cattaraugus County Bank

IDRSSD: 254504
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q1QoQ +6

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

Quarterly Headline

2025-Q1

Bank #254504 2025-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.3% (regulatory soft-warning level 50%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.64% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +6 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ +7
87
Sub-score

Liquidity is strong: brokered 5.3%, loans/deposits 71.1%, cash 6.2% of assets.

Cash / Assets
6.19%
Loans / Deposits
71.09%
Brokered %
5.27%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.42%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 15.03%, CET1 15.03%, leverage 11.24%.

Tier 1 RBC
15.03%
CET1
15.03%
Leverage
11.24%
No watch items at this period.

Asset Quality

StrongQoQ +16
90
Sub-score

Asset quality is strong: Adjusted NPL 1.67%, Texas Ratio 9.1%, NCO YTD -0.01%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
9.1%
NCO YTD
-0.01%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +5
8
Sub-score

Reserves are weak: ALLL 0.64% of loans, coverage 38.3%, true coverage 37.7%.

ALLL / Loans
0.64%
Coverage
38.3%
True Loss Coverage
37.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.64% 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