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Community State Bank

IDRSSD: 92144
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
78
/ 100
StableAs of 2024-Q1QoQ +2

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 #92144 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.28% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.01% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.9% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +14
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.9%, cash 2.0% of assets.

Cash / Assets
2.01%
Loans / Deposits
40.86%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.01% of assets (threshold 3%).

Securities

StrongQoQ +14
90
Sub-score

Securities profile is strong: securities 23.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.06%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 32.87%, CET1 32.87%, leverage 17.83%.

Tier 1 RBC
32.87%
CET1
32.87%
Leverage
17.83%
No watch items at this period.

Asset Quality

StableQoQ 0
66
Sub-score

Asset quality is stable: Adjusted NPL 6.28%, Texas Ratio 11.5%, NCO YTD 0.00%.

Adjusted NPL
6.28%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.28% (govt-guarantees stripped).

Reserves

WatchQoQ 0
43
Sub-score

Reserves are deteriorating: ALLL 3.04% of loans, coverage 49.9%, true coverage 49.9%.

ALLL / Loans
3.04%
Coverage
49.9%
True Loss Coverage
49.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.9% (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