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Commercial State Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #1017564 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.41% of loans.
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.27% (govt-guarantees stripped).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ -2
  • Capitalization
    — —
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ -2
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.8%, cash 9.0% of assets.

Cash / Assets
8.99%
Loans / Deposits
39.84%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -2
98
Sub-score

Securities profile is strong: securities 20.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.70%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.50%, CET1 25.50%, leverage 10.49%.

Tier 1 RBC
25.50%
CET1
25.50%
Leverage
10.49%
No watch items at this period.

Asset Quality

RiskQoQ +8
40
Sub-score

Asset quality is weak: Adjusted NPL 5.27%, Texas Ratio 16.3%, NCO YTD 4.41%.

Adjusted NPL
5.27%
Govt-guarantees stripped
Texas Ratio
16.3%
NCO YTD
4.41%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
0.57%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.27% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.41% of loans.

Reserves

RiskQoQ +2
35
Sub-score

Reserves are weak: ALLL 1.78% of loans, coverage 34.5%, true coverage 34.5%.

ALLL / Loans
1.78%
Coverage
34.5%
True Loss Coverage
34.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.5% (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