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Cornerstone Bank

IDRSSD: 843476
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q2QoQ -10

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

Quarterly Headline

2024-Q2

Bank #843476 2024-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.9% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.90% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -10 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -23
  • Reserves
    ↓ -29

The five pillars

Liquidity

StrongQoQ -1
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.9%, cash 16.4% of assets.

Cash / Assets
16.42%
Loans / Deposits
71.90%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.04%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.84%, CET1 24.84%, leverage 12.93%.

Tier 1 RBC
24.84%
CET1
24.84%
Leverage
12.93%
No watch items at this period.

Asset Quality

WatchQoQ -23
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.90%, Texas Ratio 17.1%, NCO YTD 0.14%.

Adjusted NPL
3.90%
Govt-guarantees stripped
Texas Ratio
17.1%
NCO YTD
0.14%
30-89 PD
1.81%
Band 0.3% / 3.0%
90+ PD
0.48%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.90% (govt-guarantees stripped).

Reserves

RiskQoQ -29
14
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 23.9%, true coverage 23.9%.

ALLL / Loans
0.93%
Coverage
23.9%
True Loss Coverage
23.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.9% (Adjusted NPL + Performing Mods denominator).

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 10:16:03 UTC