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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q3QoQ -13

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

Quarterly Headline

2024-Q3

Bank #987231 2024-Q3 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.68% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.00% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -13 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -26
  • Reserves
    ↓ -51

The five pillars

Liquidity

StableQoQ +1
79
Sub-score

Liquidity is stable: brokered 0.6%, loans/deposits 76.3%, cash 2.0% of assets.

Cash / Assets
2.00%
Loans / Deposits
76.28%
Brokered %
0.61%

Watch Items

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

Securities

Strong
100
Sub-score

Securities profile is strong: securities 19.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
19.34%
No watch items at this period.

Capitalization

WatchQoQ +3
48
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.77%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.77%

Watch Items

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

Asset Quality

StableQoQ -26
68
Sub-score

Asset quality is stable: Adjusted NPL 1.65%, Texas Ratio 10.7%, NCO YTD 1.68%.

Adjusted NPL
1.65%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
1.68%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
1.05%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.05%.
  • watchNet charge-offs elevated — NCO YTD 1.68% of loans.

Reserves

WatchQoQ -51
48
Sub-score

Reserves are deteriorating: ALLL 1.24% of loans, coverage 75.9%, true coverage 66.8%.

ALLL / Loans
1.24%
Coverage
75.9%
True Loss Coverage
66.8%
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