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Keystone Savings Bank

IDRSSD: 931944
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
77
/ 100
StableAs of 2023-Q4QoQ -22

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 #931944 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.79%.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.9% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -22 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -37
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -11
85
Sub-score

Liquidity is strong: brokered 3.9%, loans/deposits 71.1%, cash 4.5% of assets.

Cash / Assets
4.48%
Loans / Deposits
71.07%
Brokered %
3.85%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.87%, CET1 15.87%, leverage 12.05%.

Tier 1 RBC
15.87%
CET1
15.87%
Leverage
12.05%
No watch items at this period.

Asset Quality

StableQoQ -37
63
Sub-score

Asset quality is stable: Adjusted NPL 2.79%, Texas Ratio 13.7%, NCO YTD 0.00%.

Adjusted NPL
2.79%
Govt-guarantees stripped
Texas Ratio
13.7%
NCO YTD
0.00%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
2.79%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.79% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.79%.

Reserves

Risk
28
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 44.9%, true coverage 36.9%.

ALLL / Loans
1.24%
Coverage
44.9%
True Loss Coverage
36.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.9% (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: 2026-05-12 20:02:45 UTC