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Sherburne State Bank

IDRSSD: 198251
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
82
/ 100
StrongAs of 2026-Q1QoQ 0

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 #198251 2026-Q1 Vital Signs Score: 82/100 — 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 1.23% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
67
Sub-score

Liquidity is stable: brokered 2.8%, loans/deposits 92.9%, cash 1.2% of assets.

Cash / Assets
1.23%
Loans / Deposits
92.87%
Brokered %
2.82%

Watch Items

  • watchCash / Assets below 3% — Cash 1.23% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.56%
No watch items at this period.

Capitalization

WatchQoQ -3
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.07%, CET1 10.07%, leverage 9.21%.

Tier 1 RBC
10.07%
CET1
10.07%
Leverage
9.21%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.2%, NCO YTD -0.02%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
-0.02%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
96
Sub-score

Reserves are strong: ALLL 1.39% of loans, coverage 6549.1%, true coverage 6549.1%.

ALLL / Loans
1.39%
Coverage
6549.1%
True Loss Coverage
6549.1%
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