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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q4QoQ +1

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 #92144 2024-Q4 Vital Signs Score: 77/100 — 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 5.98% (govt-guarantees stripped).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 2.00% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -7
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 46.1%, cash 2.0% of assets.

Cash / Assets
2.00%
Loans / Deposits
46.10%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 2.00% of assets (threshold 3%).

Securities

StrongQoQ -1
81
Sub-score

Securities profile is strong: securities 25.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.78%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.54%, CET1 33.54%, leverage 19.54%.

Tier 1 RBC
33.54%
CET1
33.54%
Leverage
19.54%
No watch items at this period.

Asset Quality

StableQoQ +7
67
Sub-score

Asset quality is stable: Adjusted NPL 5.98%, Texas Ratio 10.9%, NCO YTD 0.00%.

Adjusted NPL
5.98%
Govt-guarantees stripped
Texas Ratio
10.9%
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 5.98% (govt-guarantees stripped).

Reserves

WatchQoQ +4
48
Sub-score

Reserves are deteriorating: ALLL 3.30% of loans, coverage 57.0%, true coverage 57.0%.

ALLL / Loans
3.30%
Coverage
57.0%
True Loss Coverage
57.0%
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: 2026-05-12 19:36:57 UTC