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Interstate Bank

IDRSSD: 791072
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q2QoQ -13

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #791072 2024-Q2 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.26% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.97% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -13 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -30
  • Reserves
    ↓ -42

The five pillars

Liquidity

StrongQoQ +2
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.2%, cash 2.0% of assets.

Cash / Assets
1.97%
Loans / Deposits
70.24%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.97% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +1
47
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.60%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.60%

Watch Items

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

Asset Quality

WatchQoQ -30
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.89%, Texas Ratio 11.9%, NCO YTD 2.26%.

Adjusted NPL
1.89%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
2.26%
30-89 PD
5.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.26% of loans.

Reserves

WatchQoQ -42
50
Sub-score

Reserves are deteriorating: ALLL 1.36% of loans, coverage 72.8%, true coverage 64.2%.

ALLL / Loans
1.36%
Coverage
72.8%
True Loss Coverage
64.2%
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 02:25:06 UTC