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Star Bank

IDRSSD: 715050
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
62
/ 100
StableAs of 2024-Q2QoQ -14

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 #715050 2024-Q2 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.2% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.29% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -14 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -34
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -22

The five pillars

Liquidity

StableQoQ -8
73
Sub-score

Liquidity is stable: brokered 14.6%, loans/deposits 88.9%, cash 6.3% of assets.

Cash / Assets
6.30%
Loans / Deposits
88.88%
Brokered %
14.63%
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 -34
42
Sub-score

Capital position is deteriorating: Tier 1 RBC 8.97%, CET1 8.97%, leverage 8.90%.

Tier 1 RBC
8.97%
CET1
8.97%
Leverage
8.90%
No watch items at this period.

Asset Quality

StableQoQ -4
73
Sub-score

Asset quality is stable: Adjusted NPL 2.29%, Texas Ratio 20.2%, NCO YTD 0.04%.

Adjusted NPL
2.29%
Govt-guarantees stripped
Texas Ratio
20.2%
NCO YTD
0.04%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.89%
Band 0.1% / 2.0%

Watch Items

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

Reserves

RiskQoQ -22
28
Sub-score

Reserves are weak: ALLL 1.19% of loans, coverage 52.7%, true coverage 38.2%.

ALLL / Loans
1.19%
Coverage
52.7%
True Loss Coverage
38.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.2% (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 23:08:30 UTC