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St Clair County State Bank

IDRSSD: 692450
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
67
/ 100
StableAs of 2024-Q3QoQ -11

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 #692450 2024-Q3 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.97%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.00% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -11 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -44

The five pillars

Liquidity

StrongQoQ -2
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.4%, cash 11.2% of assets.

Cash / Assets
11.17%
Loans / Deposits
83.37%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.06%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.35%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.35%

Watch Items

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

Asset Quality

WatchQoQ -16
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.00%, Texas Ratio 10.1%, NCO YTD 0.03%.

Adjusted NPL
2.00%
Govt-guarantees stripped
Texas Ratio
10.1%
NCO YTD
0.03%
30-89 PD
2.23%
Band 0.3% / 3.0%
90+ PD
1.97%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.00% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.97%.

Reserves

WatchQoQ -44
43
Sub-score

Reserves are deteriorating: ALLL 1.23% of loans, coverage 62.4%, true coverage 62.4%.

ALLL / Loans
1.23%
Coverage
62.4%
True Loss Coverage
62.4%
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: 2026-05-14 08:58:20 UTC