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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 — 2025-Q1

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

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q1QoQ 0

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 #1005851 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.2% of deposits (threshold 30%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.52% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ +4
51
Sub-score

Liquidity is deteriorating: brokered 32.2%, loans/deposits 94.2%, cash 2.5% of assets.

Cash / Assets
2.52%
Loans / Deposits
94.20%
Brokered %
32.21%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.2% of deposits (threshold 30%).
  • infoCash / Assets below 3% — Cash 2.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.91%
No watch items at this period.

Capitalization

StrongQoQ +8
88
Sub-score

Capital position is strong: Tier 1 RBC 13.02%, CET1 13.02%, leverage 9.80%.

Tier 1 RBC
13.02%
CET1
13.02%
Leverage
9.80%
No watch items at this period.

Asset Quality

StrongQoQ -13
83
Sub-score

Asset quality is strong: Adjusted NPL 0.23%, Texas Ratio 1.8%, NCO YTD 0.00%.

Adjusted NPL
0.23%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.00%
30-89 PD
3.74%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
76
Sub-score

Reserves are stable: ALLL 0.79% of loans, coverage 350.3%, true coverage 350.3%.

ALLL / Loans
0.79%
Coverage
350.3%
True Loss Coverage
350.3%
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: 2026-05-12 21:13:03 UTC