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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 — 2025-Q1

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

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2025-Q1QoQ -12

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 #1014246 2025-Q1 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 114.0% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.96% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -12 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -26
  • Reserves
    ↓ -44

The five pillars

Liquidity

StableQoQ +1
62
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 114.0%, cash 2.0% of assets.

Cash / Assets
1.96%
Loans / Deposits
114.01%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 114.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.96% of assets (threshold 3%).

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

StableQoQ +4
63
Sub-score

Capital position is stable: Tier 1 RBC 11.26%, CET1 11.26%, leverage 8.27%.

Tier 1 RBC
11.26%
CET1
11.26%
Leverage
8.27%
No watch items at this period.

Asset Quality

StableQoQ -26
65
Sub-score

Asset quality is stable: Adjusted NPL 1.46%, Texas Ratio 15.0%, NCO YTD 0.02%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
15.0%
NCO YTD
0.02%
30-89 PD
2.64%
Band 0.3% / 3.0%
90+ PD
1.38%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.38%.

Reserves

RiskQoQ -44
14
Sub-score

Reserves are weak: ALLL 0.68% of loans, coverage 46.6%, true coverage 46.6%.

ALLL / Loans
0.68%
Coverage
46.6%
True Loss Coverage
46.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.68% 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