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Cedar Valley Bank And Trust

IDRSSD: 1014246
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q2QoQ +4

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

Quarterly Headline

2024-Q2

Bank #1014246 2024-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.9% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +25

The five pillars

Liquidity

StableQoQ +4
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 102.9%, cash 6.4% of assets.

Cash / Assets
6.37%
Loans / Deposits
102.93%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -5
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.97%, CET1 10.97%, leverage 7.69%.

Tier 1 RBC
10.97%
CET1
10.97%
Leverage
7.69%
No watch items at this period.

Asset Quality

StrongQoQ +3
90
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 6.7%, NCO YTD 0.00%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.00%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +25
53
Sub-score

Reserves are deteriorating: ALLL 0.69% of loans, coverage 108.2%, true coverage 108.2%.

ALLL / Loans
0.69%
Coverage
108.2%
True Loss Coverage
108.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% 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: 2026-05-14 19:42:09 UTC