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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q4QoQ +5

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

Quarterly Headline

2024-Q4

Bank #1176920 2024-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Asset Quality (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 Q3 2024:
↑ +5 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 1.4%, loans/deposits 38.8%, cash 3.4% of assets.

Cash / Assets
3.44%
Loans / Deposits
38.84%
Brokered %
1.39%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 58.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
58.11%
No watch items at this period.

Capitalization

StrongQoQ 0
91
Sub-score

Capital position is strong: Tier 1 RBC 20.21%, CET1 20.21%, leverage 7.87%.

Tier 1 RBC
20.21%
CET1
20.21%
Leverage
7.87%
No watch items at this period.

Asset Quality

StrongQoQ +18
92
Sub-score

Asset quality is strong: Adjusted NPL 1.45%, Texas Ratio 5.7%, NCO YTD 0.09%.

Adjusted NPL
1.45%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
0.09%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
87
Sub-score

Reserves are strong: ALLL 2.04% of loans, coverage 143.3%, true coverage 138.5%.

ALLL / Loans
2.04%
Coverage
143.3%
True Loss Coverage
138.5%
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 04:14:54 UTC