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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ -2

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

Quarterly Headline

2024-Q3

Bank #979357 2024-Q3 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 15.9% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.6% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.92% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -20
  • Reserves
    ↑ +9

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.3%, cash 17.6% of assets.

Cash / Assets
17.59%
Loans / Deposits
63.28%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.50%
No watch items at this period.

Capitalization

StableQoQ +8
80
Sub-score

Capital position is stable: Tier 1 RBC 13.44%, CET1 13.44%, leverage 7.06%.

Tier 1 RBC
13.44%
CET1
13.44%
Leverage
7.06%
No watch items at this period.

Asset Quality

WatchQoQ -20
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.92%, Texas Ratio 28.5%, NCO YTD -0.01%.

Adjusted NPL
3.92%
Govt-guarantees stripped
Texas Ratio
28.5%
NCO YTD
-0.01%
30-89 PD
3.63%
Band 0.3% / 3.0%
90+ PD
0.45%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.92% (govt-guarantees stripped).

Reserves

RiskQoQ +9
9
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 19.6%, true coverage 15.9%.

ALLL / Loans
0.76%
Coverage
19.6%
True Loss Coverage
15.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 15.9% (Adjusted NPL + Performing Mods denominator).

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