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Kentland Federal Savings And Loan Association

IDRSSD: 382274
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
51
/ 100
WatchAs of 2023-Q4QoQ -47

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 #382274 2023-Q4 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 13.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 13.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 8.59%.

What changed this quarter

Compared to Q3 2023:
↓ -47 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -74
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -20
71
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 110.7%, cash 6.0% of assets.

Cash / Assets
5.97%
Loans / Deposits
110.66%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.83%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.81%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.81%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -74
26
Sub-score

Asset quality is weak: Adjusted NPL 8.59%, Texas Ratio 60.1%, NCO YTD 0.00%.

Adjusted NPL
8.59%
Govt-guarantees stripped
Texas Ratio
60.1%
NCO YTD
0.00%
30-89 PD
2.70%
Band 0.3% / 3.0%
90+ PD
8.59%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.59% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 60.1% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 8.59%.

Reserves

Risk
20
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 13.0%, true coverage 13.0%.

ALLL / Loans
1.10%
Coverage
13.0%
True Loss Coverage
13.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 13.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.0% (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: 2026-05-13 06:38:11 UTC