Visbanking Logo
Skip to main content

Cornerstone Capital Bank Ssb

IDRSSD: 2891622
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2023-Q4QoQ -26

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

Quarterly Headline

2023-Q4

Bank #2891622 2023-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.7% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -26 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -36
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -15
60
Sub-score

Liquidity is stable: brokered 36.4%, loans/deposits 115.7%, cash 26.6% of assets.

Cash / Assets
26.56%
Loans / Deposits
115.68%
Brokered %
36.45%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.4% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 115.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.84%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.97%, CET1 26.67%, leverage 14.89%.

Tier 1 RBC
28.97%
CET1
26.67%
Leverage
14.89%
No watch items at this period.

Asset Quality

StableQoQ -36
64
Sub-score

Asset quality is stable: Adjusted NPL 2.48%, Texas Ratio 9.2%, NCO YTD 0.32%.

Adjusted NPL
2.48%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
0.32%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
2.28%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.48% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.28%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.36% of loans, coverage 14.5%, true coverage 14.5%.

ALLL / Loans
0.36%
Coverage
14.5%
True Loss Coverage
14.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.36% 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: 2026-05-14 11:35:18 UTC