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South Central State Bank

IDRSSD: 74056
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ -11

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

Quarterly Headline

2025-Q2

Bank #74056 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.39% of assets (threshold 3%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.61%.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -50

The five pillars

Liquidity

StableQoQ -2
74
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 81.1%, cash 1.4% of assets.

Cash / Assets
1.39%
Loans / Deposits
81.06%
Brokered %
1.33%

Watch Items

  • watchCash / Assets below 3% — Cash 1.39% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.24%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 14.58%, CET1 14.58%, leverage 14.08%.

Tier 1 RBC
14.58%
CET1
14.58%
Leverage
14.08%
No watch items at this period.

Asset Quality

StableQoQ -13
71
Sub-score

Asset quality is stable: Adjusted NPL 2.30%, Texas Ratio 10.2%, NCO YTD 0.00%.

Adjusted NPL
2.30%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
1.61%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.30% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.61%.

Reserves

RiskQoQ -50
23
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 45.4%, true coverage 41.4%.

ALLL / Loans
1.03%
Coverage
45.4%
True Loss Coverage
41.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.4% (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: 2026-05-15 02:53:33 UTC