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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q3QoQ -8

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

Quarterly Headline

2025-Q3

Bank #1005851 2025-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 38.4% of deposits (threshold 30%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.10% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -34

The five pillars

Liquidity

WatchQoQ -2
47
Sub-score

Liquidity is deteriorating: brokered 38.4%, loans/deposits 96.8%, cash 1.1% of assets.

Cash / Assets
1.10%
Loans / Deposits
96.82%
Brokered %
38.44%

Watch Items

  • watchBrokered deposits above 30% — Brokered 38.4% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.10% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.24%
No watch items at this period.

Capitalization

StrongQoQ +2
87
Sub-score

Capital position is strong: Tier 1 RBC 12.85%, CET1 12.85%, leverage 9.80%.

Tier 1 RBC
12.85%
CET1
12.85%
Leverage
9.80%
No watch items at this period.

Asset Quality

StrongQoQ -12
86
Sub-score

Asset quality is strong: Adjusted NPL 1.16%, Texas Ratio 9.3%, NCO YTD 0.01%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.01%
30-89 PD
1.30%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -34
37
Sub-score

Reserves are weak: ALLL 0.84% of loans, coverage 73.1%, true coverage 73.1%.

ALLL / Loans
0.84%
Coverage
73.1%
True Loss Coverage
73.1%
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