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Marion County State Bank

IDRSSD: 97943
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #97943 2024-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 36.9% (regulatory soft-warning level 50%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.46% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -2
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.4%, cash 1.5% of assets.

Cash / Assets
1.46%
Loans / Deposits
84.36%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.46% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.64%
No watch items at this period.

Capitalization

StrongQoQ -4
83
Sub-score

Capital position is strong: Tier 1 RBC 12.91%, CET1 12.91%, leverage 9.13%.

Tier 1 RBC
12.91%
CET1
12.91%
Leverage
9.13%
No watch items at this period.

Asset Quality

StrongQoQ +3
84
Sub-score

Asset quality is strong: Adjusted NPL 1.27%, Texas Ratio 9.7%, NCO YTD 0.02%.

Adjusted NPL
1.27%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
0.02%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
1.19%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.19%.

Reserves

RiskQoQ -4
2
Sub-score

Reserves are weak: ALLL 0.47% of loans, coverage 36.9%, true coverage 34.2%.

ALLL / Loans
0.47%
Coverage
36.9%
True Loss Coverage
34.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 36.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.2% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.47% 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