Visbanking Logo
Skip to main content

Commercial State Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q2QoQ -1

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

Quarterly Headline

2025-Q2

Bank #1017564 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.1% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.1% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.33% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -10

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.4%, cash 11.3% of assets.

Cash / Assets
11.29%
Loans / Deposits
40.41%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.28%, CET1 24.28%, leverage 10.76%.

Tier 1 RBC
24.28%
CET1
24.28%
Leverage
10.76%
No watch items at this period.

Asset Quality

WatchQoQ +3
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 9.33%, Texas Ratio 29.5%, NCO YTD -0.97%.

Adjusted NPL
9.33%
Govt-guarantees stripped
Texas Ratio
29.5%
NCO YTD
-0.97%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
3.45%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.33% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.45%.

Reserves

RiskQoQ -10
33
Sub-score

Reserves are weak: ALLL 1.93% of loans, coverage 21.1%, true coverage 21.1%.

ALLL / Loans
1.93%
Coverage
21.1%
True Loss Coverage
21.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.1% (Adjusted NPL + Performing Mods denominator).

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