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State Bank And Trust Of Kenmare

IDRSSD: 675659
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q1QoQ -5

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

Quarterly Headline

2024-Q1

Bank #675659 2024-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.6% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.83% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -15
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -4
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 46.6%, cash 1.8% of assets.

Cash / Assets
1.83%
Loans / Deposits
46.62%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.83% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.02%
No watch items at this period.

Capitalization

StrongQoQ -6
94
Sub-score

Capital position is strong: Tier 1 RBC 15.56%, CET1 15.56%, leverage 8.91%.

Tier 1 RBC
15.56%
CET1
15.56%
Leverage
8.91%
No watch items at this period.

Asset Quality

StrongQoQ -15
85
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.09%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
-0.09%
30-89 PD
2.69%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +4
50
Sub-score

Reserves are deteriorating: ALLL 1.48% of loans, true coverage 31.6%.

ALLL / Loans
1.48%
Coverage
—
True Loss Coverage
31.6%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.6% (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: 2026-05-12 21:46:02 UTC