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Community Bank Of Trenton

IDRSSD: 255547
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2023-Q4QoQ -12

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

Quarterly Headline

2023-Q4

Bank #255547 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.07%.

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -18
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.8%, cash 5.9% of assets.

Cash / Assets
5.94%
Loans / Deposits
84.76%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.96%
No watch items at this period.

Capitalization

StrongQoQ +2
89
Sub-score

Capital position is strong: Tier 1 RBC 12.51%, CET1 12.51%, leverage 9.71%.

Tier 1 RBC
12.51%
CET1
12.51%
Leverage
9.71%
No watch items at this period.

Asset Quality

StableQoQ -18
79
Sub-score

Asset quality is stable: Adjusted NPL 1.53%, Texas Ratio 10.7%, NCO YTD -0.01%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
-0.01%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
1.07%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.07%.

Reserves

Watch
46
Sub-score

Reserves are deteriorating: ALLL 1.21% of loans, coverage 79.8%, true coverage 63.6%.

ALLL / Loans
1.21%
Coverage
79.8%
True Loss Coverage
63.6%
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: 2026-05-15 05:26:10 UTC