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Community State Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q3QoQ -6

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

Quarterly Headline

2025-Q3

Bank #1176920 2025-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 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -9
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 38.9%, cash 3.4% of assets.

Cash / Assets
3.39%
Loans / Deposits
38.87%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 56.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
56.52%
No watch items at this period.

Capitalization

StrongQoQ +1
92
Sub-score

Capital position is strong: Tier 1 RBC 19.56%, CET1 19.56%, leverage 7.99%.

Tier 1 RBC
19.56%
CET1
19.56%
Leverage
7.99%
No watch items at this period.

Asset Quality

StableQoQ -17
75
Sub-score

Asset quality is stable: Adjusted NPL 1.56%, Texas Ratio 6.3%, NCO YTD -0.01%.

Adjusted NPL
1.56%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
-0.01%
30-89 PD
2.75%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
84
Sub-score

Reserves are strong: ALLL 1.97% of loans, coverage 128.5%, true coverage 127.1%.

ALLL / Loans
1.97%
Coverage
128.5%
True Loss Coverage
127.1%
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