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Community State Bank

IDRSSD: 502746
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
89
/ 100
StrongAs of 2024-Q4QoQ -4

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 #502746 2024-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
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:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ 0
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.4%, cash 18.9% of assets.

Cash / Assets
18.95%
Loans / Deposits
83.38%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -7
78
Sub-score

Capital position is stable: Tier 1 RBC 12.13%, CET1 12.13%, leverage 9.42%.

Tier 1 RBC
12.13%
CET1
12.13%
Leverage
9.42%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.70%, Texas Ratio 5.0%, NCO YTD 0.00%.

Adjusted NPL
0.70%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.00%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -8
80
Sub-score

Reserves are strong: ALLL 1.14% of loans, coverage 165.9%, true coverage 163.2%.

ALLL / Loans
1.14%
Coverage
165.9%
True Loss Coverage
163.2%
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 19:58:41 UTC