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Clinton Savings Bank

IDRSSD: 179700
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ -10

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

Quarterly Headline

2024-Q2

Bank #179700 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.43% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.30% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -10 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -48

The five pillars

Liquidity

StableQoQ +1
73
Sub-score

Liquidity is stable: brokered 0.1%, loans/deposits 89.8%, cash 2.4% of assets.

Cash / Assets
2.43%
Loans / Deposits
89.80%
Brokered %
0.08%

Watch Items

  • infoCash / Assets below 3% — Cash 2.43% 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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.89%, CET1 14.89%, leverage 10.52%.

Tier 1 RBC
14.89%
CET1
14.89%
Leverage
10.52%
No watch items at this period.

Asset Quality

StrongQoQ -12
83
Sub-score

Asset quality is strong: Adjusted NPL 2.30%, Texas Ratio 14.3%, NCO YTD 0.17%.

Adjusted NPL
2.30%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
0.17%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.30% (govt-guarantees stripped).

Reserves

RiskQoQ -48
37
Sub-score

Reserves are weak: ALLL 1.23% of loans, coverage 54.1%, true coverage 54.1%.

ALLL / Loans
1.23%
Coverage
54.1%
True Loss Coverage
54.1%
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 19:28:39 UTC