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Cornerstone Capital Bank Ssb

IDRSSD: 2891622
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
74
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #2891622 2024-Q3 Vital Signs Score: 74/100 — 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. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.6% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.6% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.54%.

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +9
77
Sub-score

Liquidity is stable: brokered 25.4%, loans/deposits 81.5%, cash 36.7% of assets.

Cash / Assets
36.71%
Loans / Deposits
81.50%
Brokered %
25.38%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.58%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.34%, CET1 26.08%, leverage 14.13%.

Tier 1 RBC
28.34%
CET1
26.08%
Leverage
14.13%
No watch items at this period.

Asset Quality

StableQoQ +4
75
Sub-score

Asset quality is stable: Adjusted NPL 1.92%, Texas Ratio 7.1%, NCO YTD 0.00%.

Adjusted NPL
1.92%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
0.00%
30-89 PD
0.12%
Band 0.3% / 3.0%
90+ PD
1.54%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.54%.

Reserves

RiskQoQ +1
1
Sub-score

Reserves are weak: ALLL 0.53% of loans, coverage 27.6%, true coverage 27.6%.

ALLL / Loans
0.53%
Coverage
27.6%
True Loss Coverage
27.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.6% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.53% 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