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Sainte Marie State Bank

IDRSSD: 363442
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
78
/ 100
StableAs of 2026-Q1QoQ -3

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 #363442 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.6% (Adjusted NPL + Performing Mods denominator).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.40% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -4

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.0%, cash 40.2% of assets.

Cash / Assets
40.15%
Loans / Deposits
50.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.86%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 18.45%.

Tier 1 RBC
—
CET1
0.00%
Leverage
18.45%

Watch Items

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

Asset Quality

StrongQoQ -11
89
Sub-score

Asset quality is strong: Adjusted NPL 0.33%, Texas Ratio 0.7%, NCO YTD 1.40%.

Adjusted NPL
0.33%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
1.40%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.40% of loans.

Reserves

WatchQoQ -4
59
Sub-score

Reserves are deteriorating: ALLL 1.14% of loans, coverage 346.4%, true coverage 38.6%.

ALLL / Loans
1.14%
Coverage
346.4%
True Loss Coverage
38.6%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.6% (Adjusted NPL + Performing Mods denominator).

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 11:30:58 UTC