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County Bank

IDRSSD: 477844
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #477844 2025-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ -10
78
Sub-score

Liquidity is stable: brokered 1.0%, loans/deposits 97.2%, cash 6.7% of assets.

Cash / Assets
6.72%
Loans / Deposits
97.16%
Brokered %
0.99%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
84
Sub-score

Capital position is strong: Tier 1 RBC 12.46%, CET1 12.46%, leverage 11.22%.

Tier 1 RBC
12.46%
CET1
12.46%
Leverage
11.22%
No watch items at this period.

Asset Quality

StrongQoQ +1
89
Sub-score

Asset quality is strong: Adjusted NPL 0.91%, Texas Ratio 5.8%, NCO YTD 0.02%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.02%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +9
86
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 153.7%, true coverage 153.7%.

ALLL / Loans
1.37%
Coverage
153.7%
True Loss Coverage
153.7%
No watch items at this period.

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: 2026-05-15 06:00:47 UTC