Liquidity
StrongQoQ -1
96
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 75.2%, cash 9.2% of assets.
- Cash / Assets
- 9.18%
- Loans / Deposits
- 75.15%
- Brokered %
- 0.00%
No watch items at this period.
State Bank Of Chandler
IDRSSD: 112556
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
98
/ 100
StrongAs of 2024-Q1QoQ +4
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 #112556 2024-Q1 Vital Signs Score: 98/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (strong).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2023:
↑ +4 ptscomposite
- Liquidity↓ -1
- Securities— —
- Capitalization— —
- Asset Quality↑ +6
- Reserves↑ +19
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 7.6% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 7.61%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 15.24%, CET1 15.24%, leverage 10.81%.
- Tier 1 RBC
- 15.24%
- CET1
- 15.24%
- Leverage
- 10.81%
No watch items at this period.
Asset Quality
StrongQoQ +6
95
Sub-score
Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.0%, NCO YTD -0.48%.
- Adjusted NPL
- 0.18%
- Texas Ratio
- 1.0%
- NCO YTD
- -0.48%
- 30-89 PD
- 1.09%
- 90+ PD
- 0.17%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +19
100
Sub-score
Reserves are strong: ALLL 1.62% of loans, coverage 907.5%, true coverage 907.5%.
- ALLL / Loans
- 1.62%
- Coverage
- 907.5%
- True Loss Coverage
- 907.5%
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.tsfor 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 19:10:45 UTC