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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-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

2025-Q1

Bank #255547 2025-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.58%.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +1
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.0%, cash 6.4% of assets.

Cash / Assets
6.44%
Loans / Deposits
83.95%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.70%
No watch items at this period.

Capitalization

StrongQoQ +2
91
Sub-score

Capital position is strong: Tier 1 RBC 13.14%, CET1 13.14%, leverage 9.92%.

Tier 1 RBC
13.14%
CET1
13.14%
Leverage
9.92%
No watch items at this period.

Asset Quality

WatchQoQ +1
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.57%, Texas Ratio 23.7%, NCO YTD -0.11%.

Adjusted NPL
3.57%
Govt-guarantees stripped
Texas Ratio
23.7%
NCO YTD
-0.11%
30-89 PD
1.62%
Band 0.3% / 3.0%
90+ PD
2.58%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.57% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.58%.

Reserves

RiskQoQ 0
31
Sub-score

Reserves are weak: ALLL 1.36% of loans, coverage 38.5%, true coverage 35.0%.

ALLL / Loans
1.36%
Coverage
38.5%
True Loss Coverage
35.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.0% (Adjusted NPL + Performing Mods denominator).

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