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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ +5

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 #121651 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 80.8% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.52% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +1
71
Sub-score

Liquidity is stable: brokered 80.8%, loans/deposits 21.4%, cash 5.8% of assets.

Cash / Assets
5.75%
Loans / Deposits
21.41%
Brokered %
80.78%

Watch Items

  • riskBrokered deposits above 30% — Brokered 80.8% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.34%
No watch items at this period.

Capitalization

StrongQoQ +4
94
Sub-score

Capital position is strong: Tier 1 RBC 20.41%, CET1 20.41%, leverage 8.67%.

Tier 1 RBC
20.41%
CET1
20.41%
Leverage
8.67%
No watch items at this period.

Asset Quality

StableQoQ +15
63
Sub-score

Asset quality is stable: Adjusted NPL 1.15%, Texas Ratio 2.4%, NCO YTD 7.52%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
2.4%
NCO YTD
7.52%
30-89 PD
1.92%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 7.52% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.67% of loans, coverage 426.1%, true coverage 197.1%.

ALLL / Loans
4.67%
Coverage
426.1%
True Loss Coverage
197.1%
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