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Clinton Savings Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-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

2025-Q4

Bank #179700 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.75% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.27% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +16

The five pillars

Liquidity

StableQoQ 0
70
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 91.4%, cash 1.3% of assets.

Cash / Assets
1.27%
Loans / Deposits
91.36%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.27% 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

StrongQoQ -4
95
Sub-score

Capital position is strong: Tier 1 RBC 13.91%, CET1 13.91%, leverage 9.58%.

Tier 1 RBC
13.91%
CET1
13.91%
Leverage
9.58%
No watch items at this period.

Asset Quality

StableQoQ -2
73
Sub-score

Asset quality is stable: Adjusted NPL 1.60%, Texas Ratio 10.4%, NCO YTD 6.75%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
6.75%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 6.75% of loans.

Reserves

StableQoQ +16
70
Sub-score

Reserves are stable: ALLL 1.45% of loans, coverage 91.6%, true coverage 91.6%.

ALLL / Loans
1.45%
Coverage
91.6%
True Loss Coverage
91.6%
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