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Commercial State Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #1017564 2024-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.19% (govt-guarantees stripped).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.05% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -14

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.5%, cash 18.9% of assets.

Cash / Assets
18.88%
Loans / Deposits
40.46%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.75%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.19%, CET1 24.19%, leverage 10.98%.

Tier 1 RBC
24.19%
CET1
24.19%
Leverage
10.98%
No watch items at this period.

Asset Quality

StableQoQ +2
71
Sub-score

Asset quality is stable: Adjusted NPL 2.19%, Texas Ratio 7.1%, NCO YTD 1.05%.

Adjusted NPL
2.19%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
1.05%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.60%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.19% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.05% of loans.

Reserves

StableQoQ -14
61
Sub-score

Reserves are stable: ALLL 1.65% of loans, coverage 76.7%, true coverage 76.7%.

ALLL / Loans
1.65%
Coverage
76.7%
True Loss Coverage
76.7%
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