Visbanking Logo
Skip to main content

Community State Bank

IDRSSD: 1176920
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
76
/ 100
StableAs of 2024-Q1QoQ +3

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 #1176920 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Reserves (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +13

The five pillars

Liquidity

StrongQoQ +1
88
Sub-score

Liquidity is strong: brokered 2.6%, loans/deposits 34.1%, cash 5.2% of assets.

Cash / Assets
5.25%
Loans / Deposits
34.11%
Brokered %
2.60%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 60.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
60.16%
No watch items at this period.

Capitalization

StrongQoQ 0
85
Sub-score

Capital position is strong: Tier 1 RBC 20.15%, CET1 20.15%, leverage 7.39%.

Tier 1 RBC
20.15%
CET1
20.15%
Leverage
7.39%
No watch items at this period.

Asset Quality

StrongQoQ +4
89
Sub-score

Asset quality is strong: Adjusted NPL 0.87%, Texas Ratio 3.3%, NCO YTD 0.52%.

Adjusted NPL
0.87%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.52%
30-89 PD
0.96%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +13
96
Sub-score

Reserves are strong: ALLL 1.55% of loans, coverage 181.9%, true coverage 167.2%.

ALLL / Loans
1.55%
Coverage
181.9%
True Loss Coverage
167.2%
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 04:14:54 UTC