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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-Q4

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

Synthesis

Vital Signs Score
71
/ 100
StableAs 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 #2891622 2024-Q4 Vital Signs Score: 71/100 — 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 20.8% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 20.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.03%.

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -6
71
Sub-score

Liquidity is stable: brokered 20.0%, loans/deposits 100.8%, cash 23.8% of assets.

Cash / Assets
23.79%
Loans / Deposits
100.82%
Brokered %
19.98%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.98%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.38%, CET1 24.08%, leverage 13.23%.

Tier 1 RBC
26.38%
CET1
24.08%
Leverage
13.23%
No watch items at this period.

Asset Quality

StableQoQ -10
65
Sub-score

Asset quality is stable: Adjusted NPL 2.55%, Texas Ratio 10.3%, NCO YTD 0.00%.

Adjusted NPL
2.55%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.00%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
2.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.55% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.03%.

Reserves

RiskQoQ 0
1
Sub-score

Reserves are weak: ALLL 0.53% of loans, coverage 20.8%, true coverage 20.8%.

ALLL / Loans
0.53%
Coverage
20.8%
True Loss Coverage
20.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 20.8% (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