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Cornerstone Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q4QoQ +4

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

Quarterly Headline

2024-Q4

Bank #843476 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.05% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -2
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.0%, cash 16.9% of assets.

Cash / Assets
16.92%
Loans / Deposits
76.04%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.92%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.77%, CET1 25.77%, leverage 12.95%.

Tier 1 RBC
25.77%
CET1
25.77%
Leverage
12.95%
No watch items at this period.

Asset Quality

StableQoQ +14
69
Sub-score

Asset quality is stable: Adjusted NPL 3.05%, Texas Ratio 13.2%, NCO YTD 0.19%.

Adjusted NPL
3.05%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.19%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.05% (govt-guarantees stripped).

Reserves

WatchQoQ +5
46
Sub-score

Reserves are deteriorating: ALLL 1.63% of loans, coverage 54.2%, true coverage 54.2%.

ALLL / Loans
1.63%
Coverage
54.2%
True Loss Coverage
54.2%
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: 2026-05-13 10:16:03 UTC