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Chickasaw Community Bank

IDRSSD: 64552
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #64552 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.88% of assets (threshold 3%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.3% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ 0
56
Sub-score

Liquidity is deteriorating: brokered 34.3%, loans/deposits 77.5%, cash 0.9% of assets.

Cash / Assets
0.88%
Loans / Deposits
77.54%
Brokered %
34.26%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.3% of deposits (threshold 30%).
  • riskCash / Assets below 3% — Cash 0.88% 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 -5
72
Sub-score

Capital position is stable: Tier 1 RBC 11.82%, CET1 11.82%, leverage 7.88%.

Tier 1 RBC
11.82%
CET1
11.82%
Leverage
7.88%
No watch items at this period.

Asset Quality

StrongQoQ +1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.9%, NCO YTD 0.20%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.20%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
91
Sub-score

Reserves are strong: ALLL 1.22% of loans, coverage 1257.9%, true coverage 140.5%.

ALLL / Loans
1.22%
Coverage
1257.9%
True Loss Coverage
140.5%
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: 2026-05-14 10:36:24 UTC