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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q2QoQ +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-Q2

Bank #202907 2025-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.30% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↓ -2
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +17

The five pillars

Liquidity

StableQoQ -5
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 75.1%, cash 1.3% of assets.

Cash / Assets
1.30%
Loans / Deposits
75.09%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.30% of assets (threshold 3%).

Securities

StrongQoQ -2
95
Sub-score

Securities profile is strong: securities 21.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.49%
No watch items at this period.

Capitalization

StableQoQ +3
73
Sub-score

Capital position is stable: Tier 1 RBC 12.50%, CET1 12.49%, leverage 7.65%.

Tier 1 RBC
12.50%
CET1
12.49%
Leverage
7.65%
No watch items at this period.

Asset Quality

StrongQoQ +2
97
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 3.9%, NCO YTD 0.22%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.22%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +17
66
Sub-score

Reserves are stable: ALLL 0.78% of loans, coverage 154.2%, true coverage 106.8%.

ALLL / Loans
0.78%
Coverage
154.2%
True Loss Coverage
106.8%
No watch items at this period.

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