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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #2891622 2025-Q3 Vital Signs Score: 69/100 — 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
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 15.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.4% (regulatory soft-warning level 50%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.8% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -3
67
Sub-score

Liquidity is stable: brokered 19.8%, loans/deposits 109.8%, cash 18.7% of assets.

Cash / Assets
18.69%
Loans / Deposits
109.75%
Brokered %
19.77%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.41%, CET1 22.40%, leverage 15.02%.

Tier 1 RBC
24.41%
CET1
22.40%
Leverage
15.02%
No watch items at this period.

Asset Quality

StableQoQ -8
62
Sub-score

Asset quality is stable: Adjusted NPL 3.20%, Texas Ratio 13.7%, NCO YTD 0.00%.

Adjusted NPL
3.20%
Govt-guarantees stripped
Texas Ratio
13.7%
NCO YTD
0.00%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
1.75%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.20% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.75%.

Reserves

RiskQoQ +1
2
Sub-score

Reserves are weak: ALLL 0.55% of loans, coverage 17.4%, true coverage 15.7%.

ALLL / Loans
0.55%
Coverage
17.4%
True Loss Coverage
15.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.55% 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