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Community State Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q2QoQ +5

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

Quarterly Headline

2025-Q2

Bank #92144 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.27% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.36% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +25

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.6%, cash 2.4% of assets.

Cash / Assets
2.36%
Loans / Deposits
39.56%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.36% of assets (threshold 3%).

Securities

StrongQoQ -1
84
Sub-score

Securities profile is strong: securities 24.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.95%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 38.02%, CET1 38.02%, leverage 19.99%.

Tier 1 RBC
38.02%
CET1
38.02%
Leverage
19.99%
No watch items at this period.

Asset Quality

StableQoQ +3
70
Sub-score

Asset quality is stable: Adjusted NPL 4.27%, Texas Ratio 6.6%, NCO YTD 0.00%.

Adjusted NPL
4.27%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
0.00%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.27% (govt-guarantees stripped).

Reserves

StableQoQ +25
73
Sub-score

Reserves are stable: ALLL 3.82% of loans, coverage 93.2%, true coverage 93.2%.

ALLL / Loans
3.82%
Coverage
93.2%
True Loss Coverage
93.2%
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