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Chino Commercial Bank Na

IDRSSD: 2925620
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2023-Q4QoQ -16

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

Quarterly Headline

2023-Q4

Bank #2925620 2023-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2023:
↓ -16 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↓ -40
  • Capitalization
    ↓ -44
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
95
Sub-score

Liquidity is strong: brokered 0.9%, loans/deposits 53.4%, cash 8.0% of assets.

Cash / Assets
7.95%
Loans / Deposits
53.42%
Brokered %
0.92%
No watch items at this period.

Securities

RiskQoQ -40
11
Sub-score

Securities profile is weak: securities 46.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
46.66%
No watch items at this period.

Capitalization

WatchQoQ -44
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.95%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.95%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 1.0%, NCO YTD -0.03%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
-0.03%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.50% of loans, coverage 907.7%, true coverage 215.9%.

ALLL / Loans
2.50%
Coverage
907.7%
True Loss Coverage
215.9%
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: 2026-05-13 13:54:08 UTC