Liquidity
StrongQoQ +5
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 66.7%, cash 14.6% of assets.
- Cash / Assets
- 14.65%
- Loans / Deposits
- 66.74%
- Brokered %
- 0.00%
No watch items at this period.
Elgin State Bank
IDRSSD: 609645
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Bank Vital Signs Report
5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2024-Q4. Composite Vital Signs Score and ranked Watch Items.
Synthesis
Vital Signs Score
74
/ 100
StableAs of 2024-Q4QoQ -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-Q4
Bank #609645 2024-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
- infoALLL / Loans below 0.75%Reserves — ALLL 0.72% of loans.
What changed this quarter
Compared to Q3 2024:
↓ -2 ptscomposite
- Liquidity↑ +5
- Securities— —
- Capitalization↓ -9
- Asset Quality↑ +1
- Reserves↓ -6
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.49%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -9
45
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.53%, CET1 10.53%, leverage 5.87%.
- Tier 1 RBC
- 10.53%
- CET1
- 10.53%
- Leverage
- 5.87%
No watch items at this period.
Asset Quality
StrongQoQ +1
99
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.21%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- 0.21%
- 30-89 PD
- 0.14%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -6
22
Sub-score
Reserves are weak: ALLL 0.72% of loans.
- ALLL / Loans
- 0.72%
- Coverage
- —
- True Loss Coverage
- —
Watch Items
- infoALLL / Loans below 0.75% — ALLL 0.72% 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%. Pillars with no available metrics are dropped from the denominator (renormalised). See
functions/src/vitalSignsScore.tsfor exact formula and sub-score band anchors. - Pillar status
- Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
- Watch Items
- Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
- Adjusted NPL
- Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
- True Loss Coverage Ratio
- ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
- Past-due 30-89 / 90+ PD
- Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
- 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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.
Generated: 2026-05-15 07:52:57 UTC