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Dysart State Bank

IDRSSD: 602842
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-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

2024-Q1

Bank #602842 2024-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.0% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.0% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.97%.

What changed this quarter

Compared to Q4 2023:
↓ -17 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -69

The five pillars

Liquidity

StrongQoQ -3
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.0%, cash 14.3% of assets.

Cash / Assets
14.33%
Loans / Deposits
75.95%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.69%
No watch items at this period.

Capitalization

StrongQoQ 0
93
Sub-score

Capital position is strong: Tier 1 RBC 13.90%, CET1 13.90%, leverage 8.80%.

Tier 1 RBC
13.90%
CET1
13.90%
Leverage
8.80%
No watch items at this period.

Asset Quality

WatchQoQ -24
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.97%, Texas Ratio 13.0%, NCO YTD 0.56%.

Adjusted NPL
1.97%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
0.56%
30-89 PD
1.49%
Band 0.3% / 3.0%
90+ PD
1.97%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.97%.

Reserves

RiskQoQ -69
2
Sub-score

Reserves are weak: ALLL 0.57% of loans, coverage 29.0%, true coverage 29.0%.

ALLL / Loans
0.57%
Coverage
29.0%
True Loss Coverage
29.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.0% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.57% 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: 2026-05-12 19:30:54 UTC