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Iowa State Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q1QoQ +4

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

Quarterly Headline

2025-Q1

Bank #865142 2025-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (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 3.35% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +4
89
Sub-score

Liquidity is strong: brokered 3.6%, loans/deposits 78.8%, cash 8.1% of assets.

Cash / Assets
8.06%
Loans / Deposits
78.77%
Brokered %
3.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.23%
No watch items at this period.

Capitalization

StrongQoQ +2
98
Sub-score

Capital position is strong: Tier 1 RBC 14.16%, CET1 14.16%, leverage 10.57%.

Tier 1 RBC
14.16%
CET1
14.16%
Leverage
10.57%
No watch items at this period.

Asset Quality

StableQoQ +9
75
Sub-score

Asset quality is stable: Adjusted NPL 3.35%, Texas Ratio 18.0%, NCO YTD -1.70%.

Adjusted NPL
3.35%
Govt-guarantees stripped
Texas Ratio
18.0%
NCO YTD
-1.70%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.35% (govt-guarantees stripped).

Reserves

StableQoQ +3
79
Sub-score

Reserves are stable: ALLL 3.43% of loans, coverage 106.2%, true coverage 106.2%.

ALLL / Loans
3.43%
Coverage
106.2%
True Loss Coverage
106.2%
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: 2026-05-15 01:33:48 UTC