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Kahoka State Bank

IDRSSD: 979357
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
70
/ 100
StableAs of 2024-Q2QoQ +7

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 #979357 2024-Q2 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 1.2% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 1.7% (regulatory soft-warning level 50%).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.04% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +7 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +24
  • Asset Quality
    ↑ +25
  • Reserves
    ↓ -37

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.6%, cash 19.6% of assets.

Cash / Assets
19.64%
Loans / Deposits
60.63%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.54%
No watch items at this period.

Capitalization

StableQoQ +24
72
Sub-score

Capital position is stable: Tier 1 RBC 12.85%, CET1 12.85%, leverage 7.03%.

Tier 1 RBC
12.85%
CET1
12.85%
Leverage
7.03%
No watch items at this period.

Asset Quality

StableQoQ +25
68
Sub-score

Asset quality is stable: Adjusted NPL 2.15%, Texas Ratio 16.2%, NCO YTD -0.18%.

Adjusted NPL
2.15%
Govt-guarantees stripped
Texas Ratio
16.2%
NCO YTD
-0.18%
30-89 PD
4.42%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.15% (govt-guarantees stripped).

Reserves

RiskQoQ -37
0
Sub-score

Reserves are weak: ALLL 0.04% of loans, coverage 1.7%, true coverage 1.2%.

ALLL / Loans
0.04%
Coverage
1.7%
True Loss Coverage
1.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 1.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 1.2% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.04% of loans.

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: 2026-05-15 09:19:32 UTC