Visbanking Logo
Skip to main content

Cedar Rapids State Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #1005851 2025-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 39.3% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.56% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +15
  • Reserves
    ↓ -6

The five pillars

Liquidity

WatchQoQ -2
49
Sub-score

Liquidity is deteriorating: brokered 39.3%, loans/deposits 94.6%, cash 1.6% of assets.

Cash / Assets
1.56%
Loans / Deposits
94.56%
Brokered %
39.29%

Watch Items

  • watchBrokered deposits above 30% — Brokered 39.3% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.56% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.37%
No watch items at this period.

Capitalization

StrongQoQ -3
85
Sub-score

Capital position is strong: Tier 1 RBC 12.66%, CET1 12.66%, leverage 9.94%.

Tier 1 RBC
12.66%
CET1
12.66%
Leverage
9.94%
No watch items at this period.

Asset Quality

StrongQoQ +15
98
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 3.8%, NCO YTD 0.00%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
0.00%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -6
71
Sub-score

Reserves are stable: ALLL 0.80% of loans, coverage 172.9%, true coverage 172.9%.

ALLL / Loans
0.80%
Coverage
172.9%
True Loss Coverage
172.9%
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