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Ssb Bank

IDRSSD: 277277
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q2QoQ -4

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

Quarterly Headline

2024-Q2

Bank #277277 2024-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -13
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -5
77
Sub-score

Liquidity is stable: brokered 4.8%, loans/deposits 99.6%, cash 7.7% of assets.

Cash / Assets
7.67%
Loans / Deposits
99.56%
Brokered %
4.77%
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

WatchQoQ -13
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.07%, CET1 10.07%, leverage 7.83%.

Tier 1 RBC
10.07%
CET1
10.07%
Leverage
7.83%
No watch items at this period.

Asset Quality

StrongQoQ 0
87
Sub-score

Asset quality is strong: Adjusted NPL 1.76%, Texas Ratio 16.8%, NCO YTD 0.15%.

Adjusted NPL
1.76%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
0.15%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
25
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 58.7%, true coverage 41.0%.

ALLL / Loans
1.02%
Coverage
58.7%
True Loss Coverage
41.0%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.0% (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: 2026-05-13 08:52:56 UTC