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Community Bank Of Elmhurst

IDRSSD: 2044820
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
95
/ 100
StrongAs of 2026-Q1QoQ -2

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

Quarterly Headline

2026-Q1

Bank #2044820 2026-Q1 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.61% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
78
Sub-score

Liquidity is stable: brokered 4.3%, loans/deposits 69.0%, cash 1.6% of assets.

Cash / Assets
1.61%
Loans / Deposits
69.03%
Brokered %
4.34%

Watch Items

  • watchCash / Assets below 3% — Cash 1.61% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -1
97
Sub-score

Capital position is strong: Tier 1 RBC 14.44%, CET1 14.44%, leverage 9.64%.

Tier 1 RBC
14.44%
CET1
14.44%
Leverage
9.64%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.3%, NCO YTD -0.01%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
-0.01%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.64% of loans, coverage 3417.7%, true coverage 290.7%.

ALLL / Loans
1.64%
Coverage
3417.7%
True Loss Coverage
290.7%
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: 2026-05-13 11:33:47 UTC