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Johnson State Bank

IDRSSD: 235950
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2023-Q4QoQ -31

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

Quarterly Headline

2023-Q4

Bank #235950 2023-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.84% (govt-guarantees stripped).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -31 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -37
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.0%, cash 6.7% of assets.

Cash / Assets
6.67%
Loans / Deposits
41.04%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.95%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 16.35%.

Tier 1 RBC
—
CET1
0.00%
Leverage
16.35%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -37
63
Sub-score

Asset quality is stable: Adjusted NPL 9.84%, Texas Ratio 19.1%, NCO YTD -0.35%.

Adjusted NPL
9.84%
Govt-guarantees stripped
Texas Ratio
19.1%
NCO YTD
-0.35%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.84% (govt-guarantees stripped).

Reserves

Risk
36
Sub-score

Reserves are weak: ALLL 3.36% of loans, coverage 35.3%, true coverage 35.3%.

ALLL / Loans
3.36%
Coverage
35.3%
True Loss Coverage
35.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.3% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 23:30:11 UTC