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Mercer County State Bank

IDRSSD: 866121
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2026-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

2026-Q1

Bank #866121 2026-Q1 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.47% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.27% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +1
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.4%, cash 2.5% of assets.

Cash / Assets
2.47%
Loans / Deposits
74.40%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.47% of assets (threshold 3%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.43%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.43%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ 0
66
Sub-score

Asset quality is stable: Adjusted NPL 2.27%, Texas Ratio 13.2%, NCO YTD 0.09%.

Adjusted NPL
2.27%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.09%
30-89 PD
3.19%
Band 0.3% / 3.0%
90+ PD
0.31%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.27% (govt-guarantees stripped).

Reserves

RiskQoQ +4
31
Sub-score

Reserves are weak: ALLL 1.14% of loans, coverage 50.9%, true coverage 50.5%.

ALLL / Loans
1.14%
Coverage
50.9%
True Loss Coverage
50.5%
No watch items at this period.

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: 2026-05-13 17:08:13 UTC