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Community State Bank

IDRSSD: 987231
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 -3

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 #987231 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.90% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ 0
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -2
79
Sub-score

Liquidity is stable: brokered 0.6%, loans/deposits 75.0%, cash 1.9% of assets.

Cash / Assets
1.90%
Loans / Deposits
75.05%
Brokered %
0.63%

Watch Items

  • watchCash / Assets below 3% — Cash 1.90% of assets (threshold 3%).

Securities

StrongQoQ 0
100
Sub-score

Securities profile is strong: securities 20.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.11%
No watch items at this period.

Capitalization

WatchQoQ 0
44
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.23%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.23%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -9
89
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.1%, NCO YTD -0.02%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
-0.02%
30-89 PD
2.09%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
95
Sub-score

Reserves are strong: ALLL 1.35% of loans, coverage 801.0%, true coverage 331.4%.

ALLL / Loans
1.35%
Coverage
801.0%
True Loss Coverage
331.4%
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: 2026-05-13 01:34:47 UTC