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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
53
/ 100
WatchAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #343958 2025-Q4 Vital Signs Score: 53/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.81%.
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.70% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -14

The five pillars

Liquidity

WatchQoQ -4
53
Sub-score

Liquidity is deteriorating: brokered 15.4%, loans/deposits 106.1%, cash 1.5% of assets.

Cash / Assets
1.49%
Loans / Deposits
106.07%
Brokered %
15.44%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.1% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.49% 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 10.74%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.74%

Watch Items

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

Asset Quality

WatchQoQ -5
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.70%, Texas Ratio 43.4%, NCO YTD -0.01%.

Adjusted NPL
5.70%
Govt-guarantees stripped
Texas Ratio
43.4%
NCO YTD
-0.01%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
4.81%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.70% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.81%.

Reserves

RiskQoQ -14
30
Sub-score

Reserves are weak: ALLL 1.41% of loans, coverage 25.1%, true coverage 25.0%.

ALLL / Loans
1.41%
Coverage
25.1%
True Loss Coverage
25.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 25.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.0% (Adjusted NPL + Performing Mods denominator).

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