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Iowa State Bank

IDRSSD: 865142
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 #865142 2024-Q1 Vital Signs Score: 83/100 — 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 3.24% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -1
82
Sub-score

Liquidity is strong: brokered 7.2%, loans/deposits 78.5%, cash 6.1% of assets.

Cash / Assets
6.09%
Loans / Deposits
78.47%
Brokered %
7.23%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.08%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.35%, CET1 14.35%, leverage 10.14%.

Tier 1 RBC
14.35%
CET1
14.35%
Leverage
10.14%
No watch items at this period.

Asset Quality

StableQoQ +2
76
Sub-score

Asset quality is stable: Adjusted NPL 3.24%, Texas Ratio 17.9%, NCO YTD 0.03%.

Adjusted NPL
3.24%
Govt-guarantees stripped
Texas Ratio
17.9%
NCO YTD
0.03%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.24% (govt-guarantees stripped).

Reserves

WatchQoQ 0
49
Sub-score

Reserves are deteriorating: ALLL 2.78% of loans, coverage 88.1%, true coverage 44.9%.

ALLL / Loans
2.78%
Coverage
88.1%
True Loss Coverage
44.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.9% (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