Visbanking Logo
Skip to main content

Demotte State Bank

IDRSSD: 539340
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #539340 2025-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
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 1.62% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.33% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +12

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.2%, cash 1.6% of assets.

Cash / Assets
1.62%
Loans / Deposits
54.20%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.62% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.92%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.41%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.41%

Watch Items

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

Asset Quality

StableQoQ +10
71
Sub-score

Asset quality is stable: Adjusted NPL 2.33%, Texas Ratio 7.9%, NCO YTD 1.00%.

Adjusted NPL
2.33%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
1.00%
30-89 PD
1.14%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.33% (govt-guarantees stripped).

Reserves

WatchQoQ +12
42
Sub-score

Reserves are deteriorating: ALLL 1.33% of loans, coverage 57.7%, true coverage 55.8%.

ALLL / Loans
1.33%
Coverage
57.7%
True Loss Coverage
55.8%
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 01:31:15 UTC