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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-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

2024-Q4

Bank #116358 2024-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.64% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +11
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 1.2%, loans/deposits 51.8%, cash 15.9% of assets.

Cash / Assets
15.88%
Loans / Deposits
51.80%
Brokered %
1.21%
No watch items at this period.

Securities

WatchQoQ +11
54
Sub-score

Securities profile is deteriorating: securities 33.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.80%
No watch items at this period.

Capitalization

StrongQoQ 0
94
Sub-score

Capital position is strong: Tier 1 RBC 20.16%, CET1 20.16%, leverage 8.59%.

Tier 1 RBC
20.16%
CET1
20.16%
Leverage
8.59%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 4.8%, NCO YTD 0.01%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.01%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +3
30
Sub-score

Reserves are weak: ALLL 0.64% of loans, coverage 72.3%, true coverage 72.3%.

ALLL / Loans
0.64%
Coverage
72.3%
True Loss Coverage
72.3%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.64% 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