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Sherburne State Bank

IDRSSD: 198251
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q3QoQ +7

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

Quarterly Headline

2024-Q3

Bank #198251 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.93% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +26

The five pillars

Liquidity

StableQoQ +3
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 88.6%, cash 1.9% of assets.

Cash / Assets
1.93%
Loans / Deposits
88.63%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.93% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.84%
No watch items at this period.

Capitalization

WatchQoQ +3
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.94%, CET1 9.94%, leverage 8.68%.

Tier 1 RBC
9.94%
CET1
9.94%
Leverage
8.68%
No watch items at this period.

Asset Quality

StrongQoQ +7
99
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.2%, NCO YTD 0.00%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.00%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +26
94
Sub-score

Reserves are strong: ALLL 1.31% of loans, coverage 4503.2%, true coverage 4503.2%.

ALLL / Loans
1.31%
Coverage
4503.2%
True Loss Coverage
4503.2%
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: 2026-05-12 00:55:23 UTC