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Community Partners Savings Bank

IDRSSD: 441078
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-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

2024-Q1

Bank #441078 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ -1
89
Sub-score

Liquidity is strong: brokered 3.1%, loans/deposits 60.1%, cash 5.9% of assets.

Cash / Assets
5.91%
Loans / Deposits
60.05%
Brokered %
3.15%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.77%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.73%, CET1 20.73%, leverage 10.97%.

Tier 1 RBC
20.73%
CET1
20.73%
Leverage
10.97%
No watch items at this period.

Asset Quality

StableQoQ -1
79
Sub-score

Asset quality is stable: Adjusted NPL 0.84%, Texas Ratio 3.7%, NCO YTD 0.09%.

Adjusted NPL
0.84%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.09%
30-89 PD
3.44%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
39
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 82.6%, true coverage 82.6%.

ALLL / Loans
0.69%
Coverage
82.6%
True Loss Coverage
82.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% 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: 2026-05-13 09:51:29 UTC