Visbanking Logo
Skip to main content

State Bank Of Cold Spring

IDRSSD: 116358
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2023-Q4QoQ +2

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

Quarterly Headline

2023-Q4

Bank #116358 2023-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    ↑ +8
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +8
98
Sub-score

Liquidity is strong: brokered 3.4%, loans/deposits 44.9%, cash 10.3% of assets.

Cash / Assets
10.26%
Loans / Deposits
44.90%
Brokered %
3.45%
No watch items at this period.

Securities

RiskQoQ +8
16
Sub-score

Securities profile is weak: securities 45.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
45.33%
No watch items at this period.

Capitalization

StrongQoQ +9
88
Sub-score

Capital position is strong: Tier 1 RBC 22.57%, CET1 22.57%, leverage 7.76%.

Tier 1 RBC
22.57%
CET1
22.57%
Leverage
7.76%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 0.67%, Texas Ratio 3.4%, NCO YTD 0.01%.

Adjusted NPL
0.67%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
0.01%
30-89 PD
1.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.92% of loans, coverage 137.3%, true coverage 137.3%.

ALLL / Loans
0.92%
Coverage
137.3%
True Loss Coverage
137.3%
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 13:37:44 UTC