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Community State Bank

IDRSSD: 3617856
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
92
/ 100
StrongAs of 2025-Q1QoQ -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-Q1

Bank #3617856 2025-Q1 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.72% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +2
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.3%, cash 2.7% of assets.

Cash / Assets
2.72%
Loans / Deposits
85.30%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.72% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.90%
No watch items at this period.

Capitalization

StrongQoQ -2
97
Sub-score

Capital position is strong: Tier 1 RBC 14.00%, CET1 14.00%, leverage 12.53%.

Tier 1 RBC
14.00%
CET1
14.00%
Leverage
12.53%
No watch items at this period.

Asset Quality

StrongQoQ -4
89
Sub-score

Asset quality is strong: Adjusted NPL 0.91%, Texas Ratio 4.9%, NCO YTD 0.37%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
4.9%
NCO YTD
0.37%
30-89 PD
1.13%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.40% of loans, coverage 270.0%, true coverage 270.0%.

ALLL / Loans
2.40%
Coverage
270.0%
True Loss Coverage
270.0%
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 10:29:03 UTC