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Community Savings Bank

IDRSSD: 646743
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #646743 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.74% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +2
71
Sub-score

Liquidity is stable: brokered 2.7%, loans/deposits 93.1%, cash 2.7% of assets.

Cash / Assets
2.74%
Loans / Deposits
93.09%
Brokered %
2.68%

Watch Items

  • infoCash / Assets below 3% — Cash 2.74% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.13%
No watch items at this period.

Capitalization

StrongQoQ +5
83
Sub-score

Capital position is strong: Tier 1 RBC 12.52%, CET1 12.52%, leverage 9.74%.

Tier 1 RBC
12.52%
CET1
12.52%
Leverage
9.74%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.92%, Texas Ratio 6.2%, NCO YTD -0.01%.

Adjusted NPL
0.92%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
-0.01%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
64
Sub-score

Reserves are stable: ALLL 1.06% of loans, coverage 116.9%, true coverage 93.5%.

ALLL / Loans
1.06%
Coverage
116.9%
True Loss Coverage
93.5%
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: 2026-05-14 19:34:41 UTC