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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2025-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

2025-Q4

Bank #1176920 2025-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.87% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.47%.

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -25

The five pillars

Liquidity

StrongQoQ 0
85
Sub-score

Liquidity is strong: brokered 0.3%, loans/deposits 38.3%, cash 3.5% of assets.

Cash / Assets
3.49%
Loans / Deposits
38.27%
Brokered %
0.34%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 57.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
57.33%
No watch items at this period.

Capitalization

StrongQoQ +1
93
Sub-score

Capital position is strong: Tier 1 RBC 20.38%, CET1 20.38%, leverage 8.28%.

Tier 1 RBC
20.38%
CET1
20.38%
Leverage
8.28%
No watch items at this period.

Asset Quality

StableQoQ -7
68
Sub-score

Asset quality is stable: Adjusted NPL 2.87%, Texas Ratio 11.0%, NCO YTD -0.04%.

Adjusted NPL
2.87%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
-0.04%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
1.47%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.87% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.47%.

Reserves

WatchQoQ -25
59
Sub-score

Reserves are deteriorating: ALLL 2.06% of loans, coverage 73.1%, true coverage 72.8%.

ALLL / Loans
2.06%
Coverage
73.1%
True Loss Coverage
72.8%
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