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Commercial State Bank

IDRSSD: 1017564
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2026-Q1QoQ +2

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 #1017564 2026-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.69% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.4% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +2
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +2
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.0%, cash 13.7% of assets.

Cash / Assets
13.67%
Loans / Deposits
39.05%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +2
100
Sub-score

Securities profile is strong: securities 18.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.99%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.70%, CET1 26.70%, leverage 10.89%.

Tier 1 RBC
26.70%
CET1
26.70%
Leverage
10.89%
No watch items at this period.

Asset Quality

WatchQoQ +7
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.69%, Texas Ratio 17.0%, NCO YTD 0.85%.

Adjusted NPL
5.69%
Govt-guarantees stripped
Texas Ratio
17.0%
NCO YTD
0.85%
30-89 PD
1.02%
Band 0.3% / 3.0%
90+ PD
0.92%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.69% (govt-guarantees stripped).

Reserves

RiskQoQ -1
34
Sub-score

Reserves are weak: ALLL 1.76% of loans, coverage 31.4%, true coverage 31.4%.

ALLL / Loans
1.76%
Coverage
31.4%
True Loss Coverage
31.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.4% (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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
NCLN − govt-guaranteed nonaccrual (RC-N Memo 2, MDRM HK67). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals (RC-N aggregate RCFD/RCON1406 for 30-89 days, RCFD/RCON1407 for 90+ days still accruing) divided by total loans + leases (LNLSNET). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-12 01:07:49 UTC