Visbanking Logo
Skip to main content

Marion County State Bank

IDRSSD: 97943
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
83
/ 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 #97943 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

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
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ +2
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 81.2%, cash 3.9% of assets.

Cash / Assets
3.89%
Loans / Deposits
81.18%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.47%
No watch items at this period.

Capitalization

StrongQoQ +2
93
Sub-score

Capital position is strong: Tier 1 RBC 13.55%, CET1 13.55%, leverage 9.09%.

Tier 1 RBC
13.55%
CET1
13.55%
Leverage
9.09%
No watch items at this period.

Asset Quality

StrongQoQ -2
95
Sub-score

Asset quality is strong: Adjusted NPL 1.01%, Texas Ratio 7.3%, NCO YTD 0.02%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
7.3%
NCO YTD
0.02%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +5
30
Sub-score

Reserves are weak: ALLL 0.74% of loans, coverage 74.6%, true coverage 64.4%.

ALLL / Loans
0.74%
Coverage
74.6%
True Loss Coverage
64.4%

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 23:39:19 UTC