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Commercial State Bank

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2023-Q4QoQ 0

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

Quarterly Headline

2023-Q4

Bank #1017564 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.76% of loans.

What changed this quarter

Compared to Q3 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.3%, cash 12.2% of assets.

Cash / Assets
12.22%
Loans / Deposits
40.25%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.86%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.67%, CET1 23.67%, leverage 10.63%.

Tier 1 RBC
23.67%
CET1
23.67%
Leverage
10.63%
No watch items at this period.

Asset Quality

WatchQoQ +7
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.74%, Texas Ratio 5.9%, NCO YTD 1.76%.

Adjusted NPL
1.74%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
1.76%
30-89 PD
2.90%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.76% of loans.

Reserves

Stable
68
Sub-score

Reserves are stable: ALLL 1.49% of loans, coverage 86.6%, true coverage 86.6%.

ALLL / Loans
1.49%
Coverage
86.6%
True Loss Coverage
86.6%
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: 2026-05-12 01:07:49 UTC