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Spratt Savings Bank

IDRSSD: 746979
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2023-Q4QoQ -11

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

Quarterly Headline

2023-Q4

Bank #746979 2023-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -1
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 37.1%, cash 10.7% of assets.

Cash / Assets
10.71%
Loans / Deposits
37.08%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -1
0
Sub-score

Securities profile is weak: securities 50.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
50.32%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.88%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.88%

Watch Items

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

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 0.7%, NCO YTD 0.00%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.00%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.63% of loans, coverage 545.5%, true coverage 545.5%.

ALLL / Loans
2.63%
Coverage
545.5%
True Loss Coverage
545.5%
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: 2026-05-13 09:43:16 UTC