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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-Q2

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

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ +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-Q2

Bank #865142 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.65% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +15

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 5.9%, loans/deposits 79.5%, cash 6.2% of assets.

Cash / Assets
6.18%
Loans / Deposits
79.51%
Brokered %
5.95%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.73%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.50%, CET1 14.50%, leverage 10.55%.

Tier 1 RBC
14.50%
CET1
14.50%
Leverage
10.55%
No watch items at this period.

Asset Quality

StableQoQ -6
69
Sub-score

Asset quality is stable: Adjusted NPL 3.65%, Texas Ratio 19.7%, NCO YTD -0.04%.

Adjusted NPL
3.65%
Govt-guarantees stripped
Texas Ratio
19.7%
NCO YTD
-0.04%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.65% (govt-guarantees stripped).

Reserves

StableQoQ +15
64
Sub-score

Reserves are stable: ALLL 2.85% of loans, coverage 80.5%, true coverage 80.5%.

ALLL / Loans
2.85%
Coverage
80.5%
True Loss Coverage
80.5%
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: 2026-05-15 01:33:48 UTC