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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q1QoQ +3

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

Quarterly Headline

2025-Q1

Bank #2891622 2025-Q1 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. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.1% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.1% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.59% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +7
78
Sub-score

Liquidity is stable: brokered 18.2%, loans/deposits 88.9%, cash 31.5% of assets.

Cash / Assets
31.50%
Loans / Deposits
88.90%
Brokered %
18.24%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.56%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 26.34%, CET1 24.17%, leverage 14.47%.

Tier 1 RBC
26.34%
CET1
24.17%
Leverage
14.47%
No watch items at this period.

Asset Quality

StableQoQ +5
71
Sub-score

Asset quality is stable: Adjusted NPL 2.59%, Texas Ratio 10.1%, NCO YTD 0.01%.

Adjusted NPL
2.59%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
0.01%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
1.37%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.59% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.37%.

Reserves

RiskQoQ +1
2
Sub-score

Reserves are weak: ALLL 0.57% of loans, coverage 22.1%, true coverage 22.1%.

ALLL / Loans
0.57%
Coverage
22.1%
True Loss Coverage
22.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.57% 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