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Community State Bank

IDRSSD: 849348
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q1QoQ -6

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

Quarterly Headline

2024-Q1

Bank #849348 2024-Q1 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.65%.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.21% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ -1
79
Sub-score

Liquidity is stable: brokered 4.9%, loans/deposits 55.9%, cash 2.2% of assets.

Cash / Assets
2.21%
Loans / Deposits
55.88%
Brokered %
4.93%

Watch Items

  • infoCash / Assets below 3% — Cash 2.21% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.14%
No watch items at this period.

Capitalization

WatchQoQ +4
48
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.74%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.74%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -15
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.33%, Texas Ratio 10.6%, NCO YTD 0.00%.

Adjusted NPL
2.33%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
0.00%
30-89 PD
2.67%
Band 0.3% / 3.0%
90+ PD
1.65%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.33% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.65%.

Reserves

WatchQoQ -19
54
Sub-score

Reserves are deteriorating: ALLL 1.50% of loans, coverage 65.4%, true coverage 65.4%.

ALLL / Loans
1.50%
Coverage
65.4%
True Loss Coverage
65.4%
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.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: 2026-05-13 14:16:08 UTC