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Jonesboro State Bank

IDRSSD: 121651
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
79
/ 100
StableAs of 2023-Q4QoQ +20

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 #121651 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 80.2% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 8.40% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↑ +20 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +52
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +11
61
Sub-score

Liquidity is stable: brokered 80.2%, loans/deposits 20.6%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
20.61%
Brokered %
80.23%

Watch Items

  • riskBrokered deposits above 30% — Brokered 80.2% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.40% 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

StrongQoQ -7
93
Sub-score

Capital position is strong: Tier 1 RBC 19.14%, CET1 19.14%, leverage 8.78%.

Tier 1 RBC
19.14%
CET1
19.14%
Leverage
8.78%
No watch items at this period.

Asset Quality

WatchQoQ +52
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.22%, Texas Ratio 2.3%, NCO YTD 8.40%.

Adjusted NPL
1.22%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
8.40%
30-89 PD
3.61%
Band 0.3% / 3.0%
90+ PD
1.03%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.03%.
  • riskNet charge-offs elevated — NCO YTD 8.40% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.67% of loans, coverage 587.6%, true coverage 503.9%.

ALLL / Loans
6.67%
Coverage
587.6%
True Loss Coverage
503.9%
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: 2026-05-14 23:13:27 UTC