Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 39.0%, cash 20.0% of assets.
- Cash / Assets
- 19.95%
- Loans / Deposits
- 39.02%
- Brokered %
- 0.00%
No watch items at this period.
Commercial State Bank
IDRSSD: 1017564
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q1
Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
89
/ 100
StrongAs of 2024-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
2024-Q1
Bank #1017564 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2023:
↑ +4 ptscomposite
- Liquidity— —
- Securities— —
- Capitalization— —
- Asset Quality↑ +11
- Reserves↑ +7
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 7.6% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 7.59%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 23.36%, CET1 23.36%, leverage 10.55%.
- Tier 1 RBC
- 23.36%
- CET1
- 23.36%
- Leverage
- 10.55%
No watch items at this period.
Asset Quality
StableQoQ +11
69
Sub-score
Asset quality is stable: Adjusted NPL 1.86%, Texas Ratio 6.1%, NCO YTD -1.38%.
- Adjusted NPL
- 1.86%
- Texas Ratio
- 6.1%
- NCO YTD
- -1.38%
- 30-89 PD
- 5.62%
- 90+ PD
- 0.38%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +7
75
Sub-score
Reserves are stable: ALLL 1.75% of loans, coverage 96.0%, true coverage 96.0%.
- ALLL / Loans
- 1.75%
- Coverage
- 96.0%
- True Loss Coverage
- 96.0%
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.tsfor 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