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Jersey Shore State Bank

IDRSSD: 732918
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
68
/ 100
StableAs of 2025-Q1QoQ -3

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 #732918 2025-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 116.1% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.37% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.57% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -25

The five pillars

Liquidity

WatchQoQ 0
59
Sub-score

Liquidity is deteriorating: brokered 3.2%, loans/deposits 116.1%, cash 1.4% of assets.

Cash / Assets
1.37%
Loans / Deposits
116.12%
Brokered %
3.19%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.1% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.37% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +3
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.33%, CET1 10.33%, leverage 8.74%.

Tier 1 RBC
10.33%
CET1
10.33%
Leverage
8.74%
No watch items at this period.

Asset Quality

StrongQoQ +2
94
Sub-score

Asset quality is strong: Adjusted NPL 0.64%, Texas Ratio 5.8%, NCO YTD -0.31%.

Adjusted NPL
0.64%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
-0.31%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -25
30
Sub-score

Reserves are weak: ALLL 0.57% of loans, coverage 89.5%, true coverage 69.9%.

ALLL / Loans
0.57%
Coverage
89.5%
True Loss Coverage
69.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.57% of loans.

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 08:11:01 UTC