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Community Bank National Association

IDRSSD: 202907
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-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

2024-Q1

Bank #202907 2024-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.04% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +1
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ +2
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 72.4%, cash 2.0% of assets.

Cash / Assets
2.04%
Loans / Deposits
72.42%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.04% of assets (threshold 3%).

Securities

StrongQoQ +1
98
Sub-score

Securities profile is strong: securities 20.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.58%
No watch items at this period.

Capitalization

StableQoQ -2
70
Sub-score

Capital position is stable: Tier 1 RBC 11.93%, CET1 11.92%, leverage 7.28%.

Tier 1 RBC
11.93%
CET1
11.92%
Leverage
7.28%
No watch items at this period.

Asset Quality

StrongQoQ +1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.50%, Texas Ratio 4.0%, NCO YTD 0.14%.

Adjusted NPL
0.50%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.14%
30-89 PD
0.43%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +5
61
Sub-score

Reserves are stable: ALLL 0.71% of loans, coverage 142.4%, true coverage 142.4%.

ALLL / Loans
0.71%
Coverage
142.4%
True Loss Coverage
142.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

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 13:57:31 UTC