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State Bank Of Burrton

IDRSSD: 21256
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #21256 2025-Q1 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 16.59% of loans.
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.30% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +6

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.5%, cash 19.6% of assets.

Cash / Assets
19.61%
Loans / Deposits
54.50%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.73%
No watch items at this period.

Capitalization

RiskQoQ -7
36
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.34%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.34%

Watch Items

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

Asset Quality

RiskQoQ +9
36
Sub-score

Asset quality is weak: Adjusted NPL 5.30%, Texas Ratio 26.6%, NCO YTD 16.59%.

Adjusted NPL
5.30%
Govt-guarantees stripped
Texas Ratio
26.6%
NCO YTD
16.59%
30-89 PD
2.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.30% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 16.59% of loans.

Reserves

RiskQoQ +6
40
Sub-score

Reserves are weak: ALLL 2.23% of loans, coverage 43.0%, true coverage 43.0%.

ALLL / Loans
2.23%
Coverage
43.0%
True Loss Coverage
43.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 43.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.0% (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: 2026-05-15 02:44:48 UTC