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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q1QoQ +2

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

Quarterly Headline

2025-Q1

Bank #97943 2025-Q1 Vital Signs Score: 73/100 — 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 37.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.69% of assets (threshold 3%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.53% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ 0
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 86.2%, cash 1.7% of assets.

Cash / Assets
1.69%
Loans / Deposits
86.17%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.69% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.31%
No watch items at this period.

Capitalization

StrongQoQ +7
90
Sub-score

Capital position is strong: Tier 1 RBC 13.68%, CET1 13.68%, leverage 9.27%.

Tier 1 RBC
13.68%
CET1
13.68%
Leverage
9.27%
No watch items at this period.

Asset Quality

StrongQoQ -2
82
Sub-score

Asset quality is strong: Adjusted NPL 1.31%, Texas Ratio 9.8%, NCO YTD 0.01%.

Adjusted NPL
1.31%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.01%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
1.23%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.23%.

Reserves

RiskQoQ +3
5
Sub-score

Reserves are weak: ALLL 0.53% of loans, coverage 40.9%, true coverage 37.2%.

ALLL / Loans
0.53%
Coverage
40.9%
True Loss Coverage
37.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.2% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.53% 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