Visbanking Logo
Skip to main content

Chickasaw Community Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q4QoQ -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-Q4

Bank #64552 2024-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +16
  • Securities
    — —
  • Capitalization
    ↑ +12
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -47

The five pillars

Liquidity

StrongQoQ +16
83
Sub-score

Liquidity is strong: brokered 24.2%, loans/deposits 71.7%, cash 18.1% of assets.

Cash / Assets
18.14%
Loans / Deposits
71.74%
Brokered %
24.20%
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

StrongQoQ +12
100
Sub-score

Capital position is strong: Tier 1 RBC 25.98%, CET1 25.98%, leverage 14.22%.

Tier 1 RBC
25.98%
CET1
25.98%
Leverage
14.22%
No watch items at this period.

Asset Quality

StrongQoQ -3
89
Sub-score

Asset quality is strong: Adjusted NPL 1.74%, Texas Ratio 7.6%, NCO YTD 0.08%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.08%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -47
46
Sub-score

Reserves are deteriorating: ALLL 1.35% of loans, coverage 78.4%, true coverage 53.1%.

ALLL / Loans
1.35%
Coverage
78.4%
True Loss Coverage
53.1%
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: 2026-05-14 10:36:24 UTC