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Cedar Rapids State Bank

IDRSSD: 1005851
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #1005851 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.6% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.58% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.98% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ +9
57
Sub-score

Liquidity is deteriorating: brokered 17.9%, loans/deposits 100.6%, cash 3.0% of assets.

Cash / Assets
2.98%
Loans / Deposits
100.56%
Brokered %
17.86%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.6% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.98% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.19%
No watch items at this period.

Capitalization

StableQoQ +5
67
Sub-score

Capital position is stable: Tier 1 RBC 11.11%, CET1 11.11%, leverage 8.16%.

Tier 1 RBC
11.11%
CET1
11.11%
Leverage
8.16%
No watch items at this period.

Asset Quality

StrongQoQ -1
96
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.4%, NCO YTD 0.00%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.00%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
69
Sub-score

Reserves are stable: ALLL 0.58% of loans, coverage 1619.1%, true coverage 1619.1%.

ALLL / Loans
0.58%
Coverage
1619.1%
True Loss Coverage
1619.1%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.58% 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: 2026-05-12 21:13:03 UTC