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Schaumburg Bank And Trust Company National Association

IDRSSD: 2970657
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
81
/ 100
StrongAs of 2024-Q4QoQ +2

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 #2970657 2024-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.10% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.70% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ 0
63
Sub-score

Liquidity is stable: brokered 10.3%, loans/deposits 91.1%, cash 1.1% of assets.

Cash / Assets
1.10%
Loans / Deposits
91.10%
Brokered %
10.30%

Watch Items

  • watchCash / Assets below 3% — Cash 1.10% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.30%
No watch items at this period.

Capitalization

StableQoQ +6
72
Sub-score

Capital position is stable: Tier 1 RBC 11.53%, CET1 11.53%, leverage 9.96%.

Tier 1 RBC
11.53%
CET1
11.53%
Leverage
9.96%
No watch items at this period.

Asset Quality

StrongQoQ +4
99
Sub-score

Asset quality is strong: Adjusted NPL 0.20%, Texas Ratio 1.5%, NCO YTD 0.14%.

Adjusted NPL
0.20%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.14%
30-89 PD
0.43%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -4
73
Sub-score

Reserves are stable: ALLL 0.70% of loans, coverage 344.9%, true coverage 332.8%.

ALLL / Loans
0.70%
Coverage
344.9%
True Loss Coverage
332.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.70% 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 02:40:52 UTC