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Five Star Bank

IDRSSD: 601416
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
83
/ 100
StrongAs of 2024-Q1QoQ 0

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 #601416 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ +7
78
Sub-score

Liquidity is stable: brokered 3.3%, loans/deposits 81.2%, cash 3.7% of assets.

Cash / Assets
3.71%
Loans / Deposits
81.24%
Brokered %
3.26%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.33%
No watch items at this period.

Capitalization

StableQoQ -1
68
Sub-score

Capital position is stable: Tier 1 RBC 10.79%, CET1 10.79%, leverage 8.83%.

Tier 1 RBC
10.79%
CET1
10.79%
Leverage
8.83%
No watch items at this period.

Asset Quality

StrongQoQ +3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.61%, Texas Ratio 4.5%, NCO YTD 0.28%.

Adjusted NPL
0.61%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.28%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -13
74
Sub-score

Reserves are stable: ALLL 0.97% of loans, coverage 161.1%, true coverage 156.5%.

ALLL / Loans
0.97%
Coverage
161.1%
True Loss Coverage
156.5%
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: 2026-05-14 13:35:37 UTC