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Currie State Bank

IDRSSD: 343958
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
59
/ 100
WatchAs of 2025-Q1QoQ -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-Q1

Bank #343958 2025-Q1 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.30% of assets (threshold 3%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.12%.

What changed this quarter

Compared to Q4 2024:
↓ -17 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -38
  • Reserves
    ↓ -49

The five pillars

Liquidity

WatchQoQ +1
55
Sub-score

Liquidity is deteriorating: brokered 14.5%, loans/deposits 102.9%, cash 1.3% of assets.

Cash / Assets
1.30%
Loans / Deposits
102.94%
Brokered %
14.50%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.9% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.30% of assets (threshold 3%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.18%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.18%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -38
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.08%, Texas Ratio 24.6%, NCO YTD 0.21%.

Adjusted NPL
3.08%
Govt-guarantees stripped
Texas Ratio
24.6%
NCO YTD
0.21%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
2.12%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.08% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.12%.

Reserves

WatchQoQ -49
43
Sub-score

Reserves are deteriorating: ALLL 1.53% of loans, coverage 50.4%, true coverage 50.4%.

ALLL / Loans
1.53%
Coverage
50.4%
True Loss Coverage
50.4%
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 05:37:46 UTC