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Community Bank And Trust

IDRSSD: 957757
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #957757 2025-Q1 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -4
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -1

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.2%, cash 24.5% of assets.

Cash / Assets
24.47%
Loans / Deposits
48.23%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -4
68
Sub-score

Securities profile is stable: securities 29.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.71%
No watch items at this period.

Capitalization

StrongQoQ 0
92
Sub-score

Capital position is strong: Tier 1 RBC 25.80%, CET1 25.80%, leverage 7.96%.

Tier 1 RBC
25.80%
CET1
25.80%
Leverage
7.96%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.2%, NCO YTD 0.03%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.03%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
84
Sub-score

Reserves are strong: ALLL 1.01% of loans, coverage 2297.6%, true coverage 2297.6%.

ALLL / Loans
1.01%
Coverage
2297.6%
True Loss Coverage
2297.6%
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: 2026-05-14 14:39:55 UTC