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Community Bank Mankato

IDRSSD: 835257
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2024-Q2QoQ -14

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

Quarterly Headline

2024-Q2

Bank #835257 2024-Q2 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 113.7% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.72% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 40.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↓ -14 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -61

The five pillars

Liquidity

StableQoQ +2
62
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 113.7%, cash 1.7% of assets.

Cash / Assets
1.72%
Loans / Deposits
113.74%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 113.7% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.72% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.76%
No watch items at this period.

Capitalization

WatchQoQ -4
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.93%, CET1 9.93%, leverage 8.06%.

Tier 1 RBC
9.93%
CET1
9.93%
Leverage
8.06%
No watch items at this period.

Asset Quality

StrongQoQ -15
83
Sub-score

Asset quality is strong: Adjusted NPL 2.16%, Texas Ratio 22.3%, NCO YTD 0.17%.

Adjusted NPL
2.16%
Govt-guarantees stripped
Texas Ratio
22.3%
NCO YTD
0.17%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.16% (govt-guarantees stripped).

Reserves

RiskQoQ -61
17
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 40.7%, true coverage 40.7%.

ALLL / Loans
0.87%
Coverage
40.7%
True Loss Coverage
40.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.7% (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: 2026-05-15 01:04:09 UTC