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Jonesboro State Bank

IDRSSD: 121651
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-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

2025-Q1

Bank #121651 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 85.3% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.55% of loans.
  3. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.26% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +5
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
60
Sub-score

Liquidity is stable: brokered 85.3%, loans/deposits 12.5%, cash 0.3% of assets.

Cash / Assets
0.26%
Loans / Deposits
12.51%
Brokered %
85.28%

Watch Items

  • riskBrokered deposits above 30% — Brokered 85.3% of deposits (threshold 30%).
  • riskCash / Assets below 3% — Cash 0.26% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.76%
No watch items at this period.

Capitalization

StrongQoQ -2
92
Sub-score

Capital position is strong: Tier 1 RBC 20.00%, CET1 20.00%, leverage 8.00%.

Tier 1 RBC
20.00%
CET1
20.00%
Leverage
8.00%
No watch items at this period.

Asset Quality

StableQoQ +5
70
Sub-score

Asset quality is stable: Adjusted NPL 0.98%, Texas Ratio 1.4%, NCO YTD 4.55%.

Adjusted NPL
0.98%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
4.55%
30-89 PD
1.22%
Band 0.3% / 3.0%
90+ PD
0.49%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.55% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 4.19% of loans, coverage 446.8%, true coverage 165.1%.

ALLL / Loans
4.19%
Coverage
446.8%
True Loss Coverage
165.1%
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