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Spencer County Bank

IDRSSD: 871648
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
65
/ 100
StableAs of 2024-Q3QoQ -1

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 #871648 2024-Q3 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.1% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -5
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 76.4%, cash 6.4% of assets.

Cash / Assets
6.44%
Loans / Deposits
76.35%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.92%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.92%

Watch Items

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

Asset Quality

StableQoQ 0
76
Sub-score

Asset quality is stable: Adjusted NPL 2.29%, Texas Ratio 10.2%, NCO YTD 0.07%.

Adjusted NPL
2.29%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.07%
30-89 PD
1.38%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.29% (govt-guarantees stripped).

Reserves

RiskQoQ -2
6
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 30.1%, true coverage 30.1%.

ALLL / Loans
0.69%
Coverage
30.1%
True Loss Coverage
30.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.69% 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 05:37:39 UTC