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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #1005851 2024-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.9% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.67% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +9 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +35

The five pillars

Liquidity

WatchQoQ +1
50
Sub-score

Liquidity is deteriorating: brokered 36.9%, loans/deposits 93.7%, cash 1.7% of assets.

Cash / Assets
1.67%
Loans / Deposits
93.68%
Brokered %
36.90%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.9% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.67% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.85%
No watch items at this period.

Capitalization

StableQoQ +5
76
Sub-score

Capital position is stable: Tier 1 RBC 12.19%, CET1 12.19%, leverage 9.08%.

Tier 1 RBC
12.19%
CET1
12.19%
Leverage
9.08%
No watch items at this period.

Asset Quality

StrongQoQ +9
96
Sub-score

Asset quality is strong: Adjusted NPL 0.55%, Texas Ratio 4.8%, NCO YTD 0.02%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.02%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +35
59
Sub-score

Reserves are deteriorating: ALLL 0.73% of loans, coverage 133.6%, true coverage 133.6%.

ALLL / Loans
0.73%
Coverage
133.6%
True Loss Coverage
133.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% 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