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Commercial Savings Bank

IDRSSD: 194440
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ -4

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

Quarterly Headline

2026-Q1

Bank #194440 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
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 Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -8
74
Sub-score

Liquidity is stable: brokered 6.5%, loans/deposits 98.4%, cash 6.8% of assets.

Cash / Assets
6.84%
Loans / Deposits
98.36%
Brokered %
6.55%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.05%
No watch items at this period.

Capitalization

StableQoQ -3
73
Sub-score

Capital position is stable: Tier 1 RBC 12.01%, CET1 12.01%, leverage 8.64%.

Tier 1 RBC
12.01%
CET1
12.01%
Leverage
8.64%
No watch items at this period.

Asset Quality

StrongQoQ -8
87
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 3.1%, NCO YTD 0.00%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
3.1%
NCO YTD
0.00%
30-89 PD
2.00%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
81
Sub-score

Reserves are strong: ALLL 0.92% of loans, coverage 262.8%, true coverage 262.8%.

ALLL / Loans
0.92%
Coverage
262.8%
True Loss Coverage
262.8%
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 01:30:28 UTC