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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ -8

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

Quarterly Headline

2025-Q3

Bank #92144 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 16.56% of loans.
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.32% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.32% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↑ +13
  • Reserves
    ↓ -73

The five pillars

Liquidity

StrongQoQ 0
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.8%, cash 2.3% of assets.

Cash / Assets
2.32%
Loans / Deposits
40.79%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.32% of assets (threshold 3%).

Securities

StrongQoQ -1
82
Sub-score

Securities profile is strong: securities 25.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 38.22%, CET1 38.22%, leverage 19.96%.

Tier 1 RBC
38.22%
CET1
38.22%
Leverage
19.96%
No watch items at this period.

Asset Quality

StrongQoQ +13
83
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 16.56%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
16.56%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 16.56% of loans.

Reserves

RiskQoQ -73
0
Sub-score

Reserves are weak: ALLL 0.32% of loans.

ALLL / Loans
0.32%
Coverage
—
True Loss Coverage
—

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.32% of loans.

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