Visbanking Logo
Skip to main content

Community State Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q2QoQ 0

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

Quarterly Headline

2024-Q2

Bank #92144 2024-Q2 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 6.24% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.8% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↓ -4
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +5
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 43.6%, cash 4.5% of assets.

Cash / Assets
4.48%
Loans / Deposits
43.61%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -4
86
Sub-score

Securities profile is strong: securities 24.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.32%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.46%, CET1 33.46%, leverage 18.92%.

Tier 1 RBC
33.46%
CET1
33.46%
Leverage
18.92%
No watch items at this period.

Asset Quality

StableQoQ 0
66
Sub-score

Asset quality is stable: Adjusted NPL 6.24%, Texas Ratio 11.4%, NCO YTD 0.00%.

Adjusted NPL
6.24%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.24% (govt-guarantees stripped).

Reserves

WatchQoQ 0
43
Sub-score

Reserves are deteriorating: ALLL 3.02% of loans, coverage 49.8%, true coverage 49.8%.

ALLL / Loans
3.02%
Coverage
49.8%
True Loss Coverage
49.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.8% (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