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Danville State Savings Bank

IDRSSD: 223845
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ +2

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

Quarterly Headline

2024-Q3

Bank #223845 2024-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.78% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ -2
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.7%, cash 1.8% of assets.

Cash / Assets
1.78%
Loans / Deposits
68.66%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.78% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 19.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
19.36%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.93%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.93%

Watch Items

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

Asset Quality

StableQoQ +6
80
Sub-score

Asset quality is stable: Adjusted NPL 2.26%, Texas Ratio 9.8%, NCO YTD 0.02%.

Adjusted NPL
2.26%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.02%
30-89 PD
0.97%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.26% (govt-guarantees stripped).

Reserves

RiskQoQ +6
26
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 46.4%, true coverage 46.4%.

ALLL / Loans
1.04%
Coverage
46.4%
True Loss Coverage
46.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.4% (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: 2026-05-14 19:48:57 UTC