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Cross County Savings Bank

IDRSSD: 1007873
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
84
/ 100
StrongAs of 2024-Q4QoQ +1

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 #1007873 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.50% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ +1
89
Sub-score

Liquidity is strong: brokered 2.4%, loans/deposits 88.5%, cash 10.0% of assets.

Cash / Assets
10.01%
Loans / Deposits
88.45%
Brokered %
2.35%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.70%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.21%, CET1 19.21%, leverage 11.69%.

Tier 1 RBC
19.21%
CET1
19.21%
Leverage
11.69%
No watch items at this period.

Asset Quality

StrongQoQ 0
94
Sub-score

Asset quality is strong: Adjusted NPL 0.71%, Texas Ratio 4.4%, NCO YTD 0.00%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.00%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +6
16
Sub-score

Reserves are weak: ALLL 0.50% of loans, coverage 70.3%, true coverage 54.4%.

ALLL / Loans
0.50%
Coverage
70.3%
True Loss Coverage
54.4%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.50% 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: 2026-05-13 08:43:13 UTC