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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ -2

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

Quarterly Headline

2024-Q3

Bank #202907 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.02% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↓ -1
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ +2
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.3%, cash 2.0% of assets.

Cash / Assets
2.02%
Loans / Deposits
74.31%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.02% of assets (threshold 3%).

Securities

StrongQoQ -1
96
Sub-score

Securities profile is strong: securities 21.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.05%
No watch items at this period.

Capitalization

StableQoQ -2
63
Sub-score

Capital position is stable: Tier 1 RBC 11.69%, CET1 11.69%, leverage 7.23%.

Tier 1 RBC
11.69%
CET1
11.69%
Leverage
7.23%
No watch items at this period.

Asset Quality

StrongQoQ -1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 5.0%, NCO YTD 0.15%.

Adjusted NPL
0.62%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.15%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -9
52
Sub-score

Reserves are deteriorating: ALLL 0.75% of loans, coverage 121.8%, true coverage 87.6%.

ALLL / Loans
0.75%
Coverage
121.8%
True Loss Coverage
87.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.75% 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