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Cnb St Louis Bank

IDRSSD: 870650
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-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

2024-Q3

Bank #870650 2024-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
75
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 88.3%, cash 5.3% of assets.

Cash / Assets
5.28%
Loans / Deposits
88.27%
Brokered %
7.53%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.86%
No watch items at this period.

Capitalization

WatchQoQ -1
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.59%, CET1 10.59%, leverage 8.71%.

Tier 1 RBC
10.59%
CET1
10.59%
Leverage
8.71%
No watch items at this period.

Asset Quality

StrongQoQ -4
95
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 5.1%, NCO YTD -0.01%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
-0.01%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.81% of loans, coverage 269.5%, true coverage 269.5%.

ALLL / Loans
1.81%
Coverage
269.5%
True Loss Coverage
269.5%
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 18:32:04 UTC