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Community State Bank

IDRSSD: 1176920
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ -9

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

Quarterly Headline

2024-Q3

Bank #1176920 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -16

The five pillars

Liquidity

StrongQoQ -4
86
Sub-score

Liquidity is strong: brokered 2.7%, loans/deposits 37.1%, cash 4.6% of assets.

Cash / Assets
4.58%
Loans / Deposits
37.06%
Brokered %
2.70%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 59.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
59.15%
No watch items at this period.

Capitalization

StrongQoQ +2
91
Sub-score

Capital position is strong: Tier 1 RBC 20.43%, CET1 20.43%, leverage 7.95%.

Tier 1 RBC
20.43%
CET1
20.43%
Leverage
7.95%
No watch items at this period.

Asset Quality

StableQoQ -24
74
Sub-score

Asset quality is stable: Adjusted NPL 1.69%, Texas Ratio 6.4%, NCO YTD 0.28%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.28%
30-89 PD
2.37%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -16
84
Sub-score

Reserves are strong: ALLL 2.11% of loans, coverage 127.6%, true coverage 123.3%.

ALLL / Loans
2.11%
Coverage
127.6%
True Loss Coverage
123.3%
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