Liquidity
StrongQoQ +6
80
Sub-score
Liquidity is strong: brokered 7.2%, loans/deposits 63.8%, cash 3.3% of assets.
- Cash / Assets
- 3.31%
- Loans / Deposits
- 63.79%
- Brokered %
- 7.19%
No watch items at this period.
Elk State Bank
IDRSSD: 679451
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
91
/ 100
StrongAs of 2024-Q1QoQ +1
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 #679451 2024-Q1 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Liquidity (strong).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2023:
↑ +1 ptscomposite
- Liquidity↑ +6
- Securities↑ +1
- Capitalization↓ 0
- Asset Quality— —
- Reserves— —
The five pillars
Securities
StrongQoQ +1
84
Sub-score
Securities profile is strong: securities 24.9% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 24.88%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ 0
90
Sub-score
Capital position is strong: Tier 1 RBC 15.52%, CET1 15.52%, leverage 8.14%.
- Tier 1 RBC
- 15.52%
- CET1
- 15.52%
- Leverage
- 8.14%
No watch items at this period.
Asset Quality
Strong
100
Sub-score
Asset quality is strong: Adjusted NPL 0.01%, Texas Ratio 0.1%, NCO YTD 0.00%.
- Adjusted NPL
- 0.01%
- Texas Ratio
- 0.1%
- NCO YTD
- 0.00%
- 30-89 PD
- 0.01%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Strong
100
Sub-score
Reserves are strong: ALLL 1.67% of loans, coverage 13487.5%, true coverage 811.3%.
- ALLL / Loans
- 1.67%
- Coverage
- 13487.5%
- True Loss Coverage
- 811.3%
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.tsfor 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 23:34:23 UTC