Visbanking Logo
Skip to main content

Kindred State Bank

IDRSSD: 816751
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #816751 2024-Q1 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -2

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.7%, cash 19.9% of assets.

Cash / Assets
19.92%
Loans / Deposits
50.73%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.81%
No watch items at this period.

Capitalization

StrongQoQ -4
87
Sub-score

Capital position is strong: Tier 1 RBC 14.59%, CET1 14.59%, leverage 7.69%.

Tier 1 RBC
14.59%
CET1
14.59%
Leverage
7.69%
No watch items at this period.

Asset Quality

StrongQoQ +1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.34%, Texas Ratio 2.1%, NCO YTD -0.06%.

Adjusted NPL
0.34%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
-0.06%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
75
Sub-score

Reserves are stable: ALLL 0.74% of loans, coverage 222.2%, true coverage 222.2%.

ALLL / Loans
0.74%
Coverage
222.2%
True Loss Coverage
222.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% of loans.

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: 2026-05-14 19:20:31 UTC