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State Bank Of Cold Spring

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q2QoQ +2

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

Quarterly Headline

2024-Q2

Bank #116358 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.68% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    ↑ +14
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -14

The five pillars

Liquidity

StrongQoQ +5
99
Sub-score

Liquidity is strong: brokered 1.2%, loans/deposits 49.4%, cash 12.0% of assets.

Cash / Assets
12.03%
Loans / Deposits
49.39%
Brokered %
1.21%
No watch items at this period.

Securities

RiskQoQ +14
35
Sub-score

Securities profile is weak: securities 39.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.40%
No watch items at this period.

Capitalization

StrongQoQ +4
94
Sub-score

Capital position is strong: Tier 1 RBC 19.90%, CET1 19.90%, leverage 8.54%.

Tier 1 RBC
19.90%
CET1
19.90%
Leverage
8.54%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.73%, Texas Ratio 3.9%, NCO YTD 0.01%.

Adjusted NPL
0.73%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.01%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -14
46
Sub-score

Reserves are deteriorating: ALLL 0.68% of loans, coverage 93.6%, true coverage 93.6%.

ALLL / Loans
0.68%
Coverage
93.6%
True Loss Coverage
93.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.68% of loans.

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