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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q4QoQ +7

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

Quarterly Headline

2024-Q4

Bank #1017564 2024-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.55% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +7 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +26

The five pillars

Liquidity

StrongQoQ -2
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 43.5%, cash 9.0% of assets.

Cash / Assets
8.98%
Loans / Deposits
43.54%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.05%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.32%, CET1 24.32%, leverage 11.21%.

Tier 1 RBC
24.32%
CET1
24.32%
Leverage
11.21%
No watch items at this period.

Asset Quality

StableQoQ +14
69
Sub-score

Asset quality is stable: Adjusted NPL 1.42%, Texas Ratio 4.6%, NCO YTD 2.55%.

Adjusted NPL
1.42%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
2.55%
30-89 PD
1.35%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.55% of loans.

Reserves

StrongQoQ +26
81
Sub-score

Reserves are strong: ALLL 1.61% of loans, coverage 115.1%, true coverage 115.1%.

ALLL / Loans
1.61%
Coverage
115.1%
True Loss Coverage
115.1%
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