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Community Bank Mankato

IDRSSD: 835257
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
67
/ 100
StableAs of 2025-Q2QoQ 0

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 #835257 2025-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.38% of assets (threshold 3%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.5% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -2
64
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 104.0%, cash 1.4% of assets.

Cash / Assets
1.38%
Loans / Deposits
103.98%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.38% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.54%
No watch items at this period.

Capitalization

StableQoQ +4
63
Sub-score

Capital position is stable: Tier 1 RBC 11.06%, CET1 11.06%, leverage 8.66%.

Tier 1 RBC
11.06%
CET1
11.06%
Leverage
8.66%
No watch items at this period.

Asset Quality

StrongQoQ -2
81
Sub-score

Asset quality is strong: Adjusted NPL 2.23%, Texas Ratio 20.9%, NCO YTD 0.00%.

Adjusted NPL
2.23%
Govt-guarantees stripped
Texas Ratio
20.9%
NCO YTD
0.00%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.23% (govt-guarantees stripped).

Reserves

RiskQoQ 0
22
Sub-score

Reserves are weak: ALLL 0.96% of loans, coverage 43.5%, true coverage 43.5%.

ALLL / Loans
0.96%
Coverage
43.5%
True Loss Coverage
43.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.5% (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: 2026-05-15 01:04:09 UTC