Liquidity
StrongQoQ +1
94
Sub-score
Liquidity is strong: brokered 0.6%, loans/deposits 35.6%, cash 7.7% of assets.
- Cash / Assets
- 7.70%
- Loans / Deposits
- 35.58%
- Brokered %
- 0.63%
No watch items at this period.
Community State Bank
IDRSSD: 1176920
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
78
/ 100
StableAs of 2025-Q2QoQ +1
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 #1176920 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (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 Q1 2025:
↑ +1 ptscomposite
- Liquidity↑ +1
- Securities— —
- Capitalization↓ -1
- Asset Quality↑ +3
- Reserves↓ 0
The five pillars
Securities
Risk
0
Sub-score
Securities profile is weak: securities 53.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 52.96%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -1
91
Sub-score
Capital position is strong: Tier 1 RBC 19.70%, CET1 19.70%, leverage 7.79%.
- Tier 1 RBC
- 19.70%
- CET1
- 19.70%
- Leverage
- 7.79%
No watch items at this period.
Asset Quality
StrongQoQ +3
92
Sub-score
Asset quality is strong: Adjusted NPL 1.44%, Texas Ratio 5.6%, NCO YTD -0.14%.
- Adjusted NPL
- 1.44%
- Texas Ratio
- 5.6%
- NCO YTD
- -0.14%
- 30-89 PD
- 0.32%
- 90+ PD
- 0.03%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ 0
87
Sub-score
Reserves are strong: ALLL 2.02% of loans, coverage 143.5%, true coverage 141.4%.
- ALLL / Loans
- 2.02%
- Coverage
- 143.5%
- True Loss Coverage
- 141.4%
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.tsfor 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