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Jonesboro State Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2026-Q1QoQ -8

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

Quarterly Headline

2026-Q1

Bank #121651 2026-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 88.4% of deposits (threshold 30%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.34% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.20% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -30

The five pillars

Liquidity

StableQoQ -5
60
Sub-score

Liquidity is stable: brokered 88.4%, loans/deposits 6.5%, cash 1.2% of assets.

Cash / Assets
1.20%
Loans / Deposits
6.47%
Brokered %
88.41%

Watch Items

  • riskBrokered deposits above 30% — Brokered 88.4% of deposits (threshold 30%).
  • watchCash / Assets below 3% — Cash 1.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.19%
No watch items at this period.

Capitalization

StrongQoQ +1
89
Sub-score

Capital position is strong: Tier 1 RBC 20.69%, CET1 20.69%, leverage 7.26%.

Tier 1 RBC
20.69%
CET1
20.69%
Leverage
7.26%
No watch items at this period.

Asset Quality

WatchQoQ -10
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.17%, Texas Ratio 1.8%, NCO YTD 5.34%.

Adjusted NPL
2.17%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
5.34%
30-89 PD
2.05%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.17% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 5.34% of loans.

Reserves

StableQoQ -30
65
Sub-score

Reserves are stable: ALLL 2.38% of loans, coverage 112.5%, true coverage 68.2%.

ALLL / Loans
2.38%
Coverage
112.5%
True Loss Coverage
68.2%
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