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Chickasaw Community Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q3QoQ -1

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

Quarterly Headline

2025-Q3

Bank #64552 2025-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.4% (Adjusted NPL + Performing Mods denominator).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.5% of deposits (threshold 30%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.29% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -4
80
Sub-score

Liquidity is strong: brokered 30.5%, loans/deposits 67.1%, cash 25.2% of assets.

Cash / Assets
25.20%
Loans / Deposits
67.13%
Brokered %
30.50%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.5% of deposits (threshold 30%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.79%, CET1 22.79%, leverage 11.52%.

Tier 1 RBC
22.79%
CET1
22.79%
Leverage
11.52%
No watch items at this period.

Asset Quality

StrongQoQ 0
85
Sub-score

Asset quality is strong: Adjusted NPL 2.29%, Texas Ratio 10.7%, NCO YTD 0.00%.

Adjusted NPL
2.29%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
0.00%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.29% (govt-guarantees stripped).

Reserves

RiskQoQ -2
33
Sub-score

Reserves are weak: ALLL 1.41% of loans, coverage 62.7%, true coverage 29.4%.

ALLL / Loans
1.41%
Coverage
62.7%
True Loss Coverage
29.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.4% (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 10:36:24 UTC