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Kansasland Bank

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ -10

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

Quarterly Headline

2023-Q4

Bank #422059 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.65% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.55% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    ↓ -2
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -28
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +9
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 66.4%, cash 2.6% of assets.

Cash / Assets
2.55%
Loans / Deposits
66.40%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.55% of assets (threshold 3%).

Securities

StrongQoQ -2
85
Sub-score

Securities profile is strong: securities 24.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.41%
No watch items at this period.

Capitalization

StrongQoQ +3
85
Sub-score

Capital position is strong: Tier 1 RBC 14.86%, CET1 14.86%, leverage 7.38%.

Tier 1 RBC
14.86%
CET1
14.86%
Leverage
7.38%
No watch items at this period.

Asset Quality

StableQoQ -28
72
Sub-score

Asset quality is stable: Adjusted NPL 3.65%, Texas Ratio 21.2%, NCO YTD -0.01%.

Adjusted NPL
3.65%
Govt-guarantees stripped
Texas Ratio
21.2%
NCO YTD
-0.01%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.65% (govt-guarantees stripped).

Reserves

Watch
50
Sub-score

Reserves are deteriorating: ALLL 2.45% of loans, coverage 68.8%, true coverage 57.2%.

ALLL / Loans
2.45%
Coverage
68.8%
True Loss Coverage
57.2%
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: 2026-05-15 05:50:19 UTC