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Chesterfield State Bank

IDRSSD: 767246
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2026-Q1QoQ -8

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

Quarterly Headline

2026-Q1

Bank #767246 2026-Q1 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.55% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -8 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -34
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +2
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.2%, cash 27.5% of assets.

Cash / Assets
27.46%
Loans / Deposits
73.21%
Brokered %
0.00%
No watch items at this period.

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 -34
61
Sub-score

Capital position is stable: Tier 1 RBC 11.27%, CET1 11.27%, leverage 7.43%.

Tier 1 RBC
11.27%
CET1
11.27%
Leverage
7.43%
No watch items at this period.

Asset Quality

RiskQoQ +2
22
Sub-score

Asset quality is weak: Adjusted NPL 8.55%, Texas Ratio 69.5%, NCO YTD 0.00%.

Adjusted NPL
8.55%
Govt-guarantees stripped
Texas Ratio
69.5%
NCO YTD
0.00%
30-89 PD
6.51%
Band 0.3% / 3.0%
90+ PD
4.46%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.55% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 69.5% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 4.46%.

Reserves

RiskQoQ 0
24
Sub-score

Reserves are weak: ALLL 1.23% of loans, coverage 14.5%, true coverage 14.5%.

ALLL / Loans
1.23%
Coverage
14.5%
True Loss Coverage
14.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).

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 08:39:28 UTC