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Cecil Bank

IDRSSD: 813572
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2023-Q4QoQ +1

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

Quarterly Headline

2023-Q4

Bank #813572 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.43% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +33
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
75
Sub-score

Liquidity is stable: brokered 9.3%, loans/deposits 92.0%, cash 6.6% of assets.

Cash / Assets
6.55%
Loans / Deposits
92.02%
Brokered %
9.34%
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

StableQoQ -1
77
Sub-score

Capital position is stable: Tier 1 RBC 11.42%, CET1 11.42%, leverage 9.35%.

Tier 1 RBC
11.42%
CET1
11.42%
Leverage
9.35%
No watch items at this period.

Asset Quality

StableQoQ +33
77
Sub-score

Asset quality is stable: Adjusted NPL 1.45%, Texas Ratio 10.9%, NCO YTD 1.43%.

Adjusted NPL
1.45%
Govt-guarantees stripped
Texas Ratio
10.9%
NCO YTD
1.43%
30-89 PD
0.70%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.43% of loans.

Reserves

Risk
30
Sub-score

Reserves are weak: ALLL 0.98% of loans, coverage 68.1%, true coverage 51.6%.

ALLL / Loans
0.98%
Coverage
68.1%
True Loss Coverage
51.6%
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: 2026-05-15 08:26:28 UTC