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Iowa Trust And Savings Bank

IDRSSD: 649342
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
79
/ 100
StableAs of 2024-Q1QoQ -8

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 #649342 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ -1
78
Sub-score

Liquidity is stable: brokered 7.8%, loans/deposits 88.3%, cash 6.6% of assets.

Cash / Assets
6.57%
Loans / Deposits
88.26%
Brokered %
7.77%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.27%
No watch items at this period.

Capitalization

StableQoQ -7
64
Sub-score

Capital position is stable: Tier 1 RBC 10.12%, CET1 10.12%, leverage 9.37%.

Tier 1 RBC
10.12%
CET1
10.12%
Leverage
9.37%
No watch items at this period.

Asset Quality

StableQoQ -18
78
Sub-score

Asset quality is stable: Adjusted NPL 1.32%, Texas Ratio 8.6%, NCO YTD -0.28%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
-0.28%
30-89 PD
2.10%
Band 0.3% / 3.0%
90+ PD
0.51%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -12
88
Sub-score

Reserves are strong: ALLL 1.88% of loans, coverage 144.7%, true coverage 144.7%.

ALLL / Loans
1.88%
Coverage
144.7%
True Loss Coverage
144.7%
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 07:58:20 UTC