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St Ansgar State Bank

IDRSSD: 115146
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
71
/ 100
StableAs of 2026-Q1QoQ +3

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 #115146 2026-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.64% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    ↑ +5
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +15

The five pillars

Liquidity

StableQoQ -7
71
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 91.5%, cash 1.6% of assets.

Cash / Assets
1.64%
Loans / Deposits
91.52%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.64% of assets (threshold 3%).

Securities

StableQoQ +5
80
Sub-score

Securities profile is stable: securities 26.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.14%
No watch items at this period.

Capitalization

WatchQoQ 0
46
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.48%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.48%

Watch Items

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

Asset Quality

StrongQoQ +6
96
Sub-score

Asset quality is strong: Adjusted NPL 0.53%, Texas Ratio 3.6%, NCO YTD 0.00%.

Adjusted NPL
0.53%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
0.00%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.53%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +15
67
Sub-score

Reserves are stable: ALLL 0.80% of loans, coverage 154.2%, true coverage 154.2%.

ALLL / Loans
0.80%
Coverage
154.2%
True Loss Coverage
154.2%
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 18:26:37 UTC