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Kansasland Bank

IDRSSD: 422059
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2024-Q2. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q2QoQ +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-Q2

Bank #422059 2024-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.20% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↓ -1
  • Capitalization
    ↓ -9
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +19

The five pillars

Liquidity

StrongQoQ -3
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.9%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
67.92%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.20% of assets (threshold 3%).

Securities

StrongQoQ -1
93
Sub-score

Securities profile is strong: securities 22.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.11%
No watch items at this period.

Capitalization

StableQoQ -9
75
Sub-score

Capital position is stable: Tier 1 RBC 12.98%, CET1 12.98%, leverage 6.44%.

Tier 1 RBC
12.98%
CET1
12.98%
Leverage
6.44%
No watch items at this period.

Asset Quality

StrongQoQ +10
94
Sub-score

Asset quality is strong: Adjusted NPL 1.17%, Texas Ratio 7.6%, NCO YTD -0.01%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
-0.01%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +19
100
Sub-score

Reserves are strong: ALLL 2.35% of loans, coverage 205.6%, true coverage 205.6%.

ALLL / Loans
2.35%
Coverage
205.6%
True Loss Coverage
205.6%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-15 05:50:19 UTC