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Jonesboro State Bank

IDRSSD: 121651
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
78
/ 100
StableAs of 2024-Q1QoQ 0

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 #121651 2024-Q1 Vital Signs Score: 78/100 — 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 79.2% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.53% of loans.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.72% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +9
70
Sub-score

Liquidity is stable: brokered 79.2%, loans/deposits 20.8%, cash 5.4% of assets.

Cash / Assets
5.44%
Loans / Deposits
20.76%
Brokered %
79.17%

Watch Items

  • riskBrokered deposits above 30% — Brokered 79.2% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.82%
No watch items at this period.

Capitalization

StrongQoQ -2
91
Sub-score

Capital position is strong: Tier 1 RBC 20.04%, CET1 20.04%, leverage 8.34%.

Tier 1 RBC
20.04%
CET1
20.04%
Leverage
8.34%
No watch items at this period.

Asset Quality

WatchQoQ -5
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.72%, Texas Ratio 5.4%, NCO YTD 7.53%.

Adjusted NPL
2.72%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
7.53%
30-89 PD
2.03%
Band 0.3% / 3.0%
90+ PD
0.91%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.72% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 7.53% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 6.10% of loans, coverage 238.5%, true coverage 149.5%.

ALLL / Loans
6.10%
Coverage
238.5%
True Loss Coverage
149.5%
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