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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #21256 2025-Q3 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 8.51% of loans.
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.66% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +6

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.5%, cash 16.8% of assets.

Cash / Assets
16.81%
Loans / Deposits
66.55%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.05%
No watch items at this period.

Capitalization

WatchQoQ -1
43
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.16%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.16%

Watch Items

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

Asset Quality

WatchQoQ +2
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.66%, Texas Ratio 15.6%, NCO YTD 8.51%.

Adjusted NPL
2.66%
Govt-guarantees stripped
Texas Ratio
15.6%
NCO YTD
8.51%
30-89 PD
2.03%
Band 0.3% / 3.0%
90+ PD
0.65%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.66% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 8.51% of loans.

Reserves

WatchQoQ +6
51
Sub-score

Reserves are deteriorating: ALLL 1.60% of loans, coverage 61.2%, true coverage 61.2%.

ALLL / Loans
1.60%
Coverage
61.2%
True Loss Coverage
61.2%
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: 2026-05-15 02:44:48 UTC