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Keystone Savings Bank

IDRSSD: 931944
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
84
/ 100
StrongAs 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 #931944 2024-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.3% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 43.5% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.89% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +12
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.9%, cash 13.2% of assets.

Cash / Assets
13.24%
Loans / Deposits
68.89%
Brokered %
0.00%
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 15.91%, CET1 15.91%, leverage 12.28%.

Tier 1 RBC
15.91%
CET1
15.91%
Leverage
12.28%
No watch items at this period.

Asset Quality

StableQoQ +1
78
Sub-score

Asset quality is stable: Adjusted NPL 2.89%, Texas Ratio 13.9%, NCO YTD 0.02%.

Adjusted NPL
2.89%
Govt-guarantees stripped
Texas Ratio
13.9%
NCO YTD
0.02%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.89% (govt-guarantees stripped).

Reserves

RiskQoQ 0
28
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 43.5%, true coverage 36.3%.

ALLL / Loans
1.24%
Coverage
43.5%
True Loss Coverage
36.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.3% (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