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Iowa State Bank

IDRSSD: 865142
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2023-Q4QoQ -9

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

Quarterly Headline

2023-Q4

Bank #865142 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.27% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -9 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
84
Sub-score

Liquidity is strong: brokered 7.7%, loans/deposits 74.7%, cash 6.0% of assets.

Cash / Assets
5.96%
Loans / Deposits
74.70%
Brokered %
7.71%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.29%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.26%, CET1 15.26%, leverage 10.53%.

Tier 1 RBC
15.26%
CET1
15.26%
Leverage
10.53%
No watch items at this period.

Asset Quality

StableQoQ -14
74
Sub-score

Asset quality is stable: Adjusted NPL 3.27%, Texas Ratio 17.1%, NCO YTD 0.29%.

Adjusted NPL
3.27%
Govt-guarantees stripped
Texas Ratio
17.1%
NCO YTD
0.29%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.27% (govt-guarantees stripped).

Reserves

Watch
48
Sub-score

Reserves are deteriorating: ALLL 2.79% of loans, coverage 87.8%, true coverage 44.0%.

ALLL / Loans
2.79%
Coverage
87.8%
True Loss Coverage
44.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.0% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-15 01:33:48 UTC