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Jewett City Savings Bank

IDRSSD: 820301
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
84
/ 100
StrongAs of 2024-Q2QoQ -4

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 #820301 2024-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.2% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.65% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -23

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 100.2%, cash 5.4% of assets.

Cash / Assets
5.36%
Loans / Deposits
100.23%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.59%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.45%, CET1 18.45%, leverage 14.50%.

Tier 1 RBC
18.45%
CET1
18.45%
Leverage
14.50%
No watch items at this period.

Asset Quality

StrongQoQ -2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 4.4%, NCO YTD 0.21%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.21%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -23
36
Sub-score

Reserves are weak: ALLL 0.65% of loans, coverage 81.0%, true coverage 81.0%.

ALLL / Loans
0.65%
Coverage
81.0%
True Loss Coverage
81.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.65% 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: 2026-05-12 20:12:43 UTC