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State Bank Of Eagle Butte

IDRSSD: 403656
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
89
/ 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 #403656 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +4 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +6

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.2%, cash 12.2% of assets.

Cash / Assets
12.15%
Loans / Deposits
49.17%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.99%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.48%, CET1 21.48%, leverage 11.39%.

Tier 1 RBC
21.48%
CET1
21.48%
Leverage
11.39%
No watch items at this period.

Asset Quality

StableQoQ +14
68
Sub-score

Asset quality is stable: Adjusted NPL 3.13%, Texas Ratio 10.0%, NCO YTD 0.56%.

Adjusted NPL
3.13%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
0.56%
30-89 PD
0.99%
Band 0.3% / 3.0%
90+ PD
0.24%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.13% (govt-guarantees stripped).

Reserves

StableQoQ +6
76
Sub-score

Reserves are stable: ALLL 2.96% of loans, coverage 97.5%, true coverage 97.5%.

ALLL / Loans
2.96%
Coverage
97.5%
True Loss Coverage
97.5%
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.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: 2026-05-12 20:08:23 UTC