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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-Q4

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

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q4QoQ +2

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 #835257 2025-Q4 Vital Signs Score: 71/100 — 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. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.1% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.2% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 101.2%, cash 2.1% of assets.

Cash / Assets
2.14%
Loans / Deposits
101.15%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.2% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.14% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.68%
No watch items at this period.

Capitalization

StableQoQ +4
71
Sub-score

Capital position is stable: Tier 1 RBC 11.65%, CET1 11.65%, leverage 8.99%.

Tier 1 RBC
11.65%
CET1
11.65%
Leverage
8.99%
No watch items at this period.

Asset Quality

StrongQoQ +2
83
Sub-score

Asset quality is strong: Adjusted NPL 2.24%, Texas Ratio 19.5%, NCO YTD -0.01%.

Adjusted NPL
2.24%
Govt-guarantees stripped
Texas Ratio
19.5%
NCO YTD
-0.01%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.24% (govt-guarantees stripped).

Reserves

RiskQoQ +3
26
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 47.1%, true coverage 47.1%.

ALLL / Loans
1.04%
Coverage
47.1%
True Loss Coverage
47.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.1% (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: 2026-05-15 01:04:09 UTC