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Community State Bank

IDRSSD: 92144
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2023-Q4QoQ -15

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

Quarterly Headline

2023-Q4

Bank #92144 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.99% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.20% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -15 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    ↓ -2
  • Capitalization
    — —
  • Asset Quality
    ↓ -34
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 43.0%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
43.01%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.20% of assets (threshold 3%).

Securities

StableQoQ -2
75
Sub-score

Securities profile is stable: securities 27.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.35%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.60%, CET1 30.60%, leverage 17.81%.

Tier 1 RBC
30.60%
CET1
30.60%
Leverage
17.81%
No watch items at this period.

Asset Quality

StableQoQ -34
66
Sub-score

Asset quality is stable: Adjusted NPL 5.99%, Texas Ratio 11.7%, NCO YTD 0.00%.

Adjusted NPL
5.99%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.00%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.99% (govt-guarantees stripped).

Reserves

Watch
43
Sub-score

Reserves are deteriorating: ALLL 2.87% of loans, coverage 49.4%, true coverage 49.4%.

ALLL / Loans
2.87%
Coverage
49.4%
True Loss Coverage
49.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.4% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 19:36:57 UTC