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State Bank Of Bottineau

IDRSSD: 1014554
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q2QoQ -5

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

Quarterly Headline

2025-Q2

Bank #1014554 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.5% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.71% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -6

The five pillars

Liquidity

WatchQoQ -13
58
Sub-score

Liquidity is deteriorating: brokered 6.0%, loans/deposits 108.5%, cash 1.7% of assets.

Cash / Assets
1.71%
Loans / Deposits
108.46%
Brokered %
6.03%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.71% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.88%
No watch items at this period.

Capitalization

WatchQoQ 0
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.96%, CET1 9.96%, leverage 8.57%.

Tier 1 RBC
9.96%
CET1
9.96%
Leverage
8.57%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.5%, NCO YTD 0.48%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
0.48%
30-89 PD
0.75%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -6
94
Sub-score

Reserves are strong: ALLL 1.33% of loans, coverage 2785.7%, true coverage 2785.7%.

ALLL / Loans
1.33%
Coverage
2785.7%
True Loss Coverage
2785.7%
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 19:56:55 UTC