Visbanking Logo
Skip to main content

Clinton Savings Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-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

2025-Q1

Bank #179700 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.9% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.86% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 88.6%, cash 2.6% of assets.

Cash / Assets
2.59%
Loans / Deposits
88.63%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.59% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.33%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 14.69%, CET1 14.69%, leverage 10.27%.

Tier 1 RBC
14.69%
CET1
14.69%
Leverage
10.27%
No watch items at this period.

Asset Quality

StableQoQ +3
78
Sub-score

Asset quality is stable: Adjusted NPL 2.86%, Texas Ratio 17.8%, NCO YTD 0.13%.

Adjusted NPL
2.86%
Govt-guarantees stripped
Texas Ratio
17.8%
NCO YTD
0.13%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.86% (govt-guarantees stripped).

Reserves

RiskQoQ +1
35
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 46.9%, true coverage 46.9%.

ALLL / Loans
1.32%
Coverage
46.9%
True Loss Coverage
46.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.9% (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 19:28:39 UTC