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Crawford County Trust And Savings Bank

IDRSSD: 810544
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
73
/ 100
StableAs of 2025-Q2QoQ -17

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 #810544 2025-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.85%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.02% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -17 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -39
  • Reserves
    ↓ -51

The five pillars

Liquidity

StrongQoQ -5
86
Sub-score

Liquidity is strong: brokered 1.1%, loans/deposits 75.4%, cash 5.0% of assets.

Cash / Assets
5.02%
Loans / Deposits
75.37%
Brokered %
1.08%
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
3.64%
No watch items at this period.

Capitalization

StrongQoQ +5
86
Sub-score

Capital position is strong: Tier 1 RBC 12.91%, CET1 12.91%, leverage 9.26%.

Tier 1 RBC
12.91%
CET1
12.91%
Leverage
9.26%
No watch items at this period.

Asset Quality

WatchQoQ -39
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.02%, Texas Ratio 13.4%, NCO YTD 0.04%.

Adjusted NPL
2.02%
Govt-guarantees stripped
Texas Ratio
13.4%
NCO YTD
0.04%
30-89 PD
2.93%
Band 0.3% / 3.0%
90+ PD
1.85%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.02% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.85%.

Reserves

RiskQoQ -51
37
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 58.3%, true coverage 57.6%.

ALLL / Loans
1.16%
Coverage
58.3%
True Loss Coverage
57.6%
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 08:25:11 UTC