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State Bank Of Bellingham

IDRSSD: 272058
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2024-Q4QoQ +7

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

Quarterly Headline

2024-Q4

Bank #272058 2024-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.67% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -3
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +41

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 17.5%, loans/deposits 65.3%, cash 2.7% of assets.

Cash / Assets
2.67%
Loans / Deposits
65.26%
Brokered %
17.54%

Watch Items

  • infoCash / Assets below 3% — Cash 2.67% of assets (threshold 3%).

Securities

StableQoQ -3
79
Sub-score

Securities profile is stable: securities 26.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.73%, CET1 21.73%, leverage 13.94%.

Tier 1 RBC
21.73%
CET1
21.73%
Leverage
13.94%
No watch items at this period.

Asset Quality

StrongQoQ +4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.3%, NCO YTD 0.00%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.00%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +41
85
Sub-score

Reserves are strong: ALLL 1.06% of loans, coverage 1400.0%, true coverage 1400.0%.

ALLL / Loans
1.06%
Coverage
1400.0%
True Loss Coverage
1400.0%
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 16:38:27 UTC