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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ -5

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

Quarterly Headline

2024-Q3

Bank #1017564 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.63% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.51% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -7

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 42.2%, cash 17.5% of assets.

Cash / Assets
17.48%
Loans / Deposits
42.16%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.97%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.02%, CET1 24.02%, leverage 11.23%.

Tier 1 RBC
24.02%
CET1
24.02%
Leverage
11.23%
No watch items at this period.

Asset Quality

WatchQoQ -16
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.51%, Texas Ratio 8.0%, NCO YTD 2.63%.

Adjusted NPL
2.51%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
2.63%
30-89 PD
1.50%
Band 0.3% / 3.0%
90+ PD
0.52%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.51% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.63% of loans.

Reserves

WatchQoQ -7
55
Sub-score

Reserves are deteriorating: ALLL 1.65% of loans, coverage 66.9%, true coverage 66.9%.

ALLL / Loans
1.65%
Coverage
66.9%
True Loss Coverage
66.9%
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