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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #441078 2025-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.6% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.3% (regulatory soft-warning level 50%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.55% of loans.

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +5
85
Sub-score

Liquidity is strong: brokered 4.4%, loans/deposits 58.3%, cash 4.4% of assets.

Cash / Assets
4.35%
Loans / Deposits
58.32%
Brokered %
4.43%
No watch items at this period.

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 23.74%, CET1 23.74%, leverage 11.69%.

Tier 1 RBC
23.74%
CET1
23.74%
Leverage
11.69%
No watch items at this period.

Asset Quality

StableQoQ -5
74
Sub-score

Asset quality is stable: Adjusted NPL 1.62%, Texas Ratio 6.3%, NCO YTD 0.10%.

Adjusted NPL
1.62%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
0.10%
30-89 PD
3.11%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
2
Sub-score

Reserves are weak: ALLL 0.55% of loans, coverage 34.3%, true coverage 26.6%.

ALLL / Loans
0.55%
Coverage
34.3%
True Loss Coverage
26.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.55% 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