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State Bank Of Easton

IDRSSD: 379050
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2025-Q2QoQ +15

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

Quarterly Headline

2025-Q2

Bank #379050 2025-Q2 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
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 Q1 2025:
↑ +15 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +50
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +17

The five pillars

Liquidity

StrongQoQ -1
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 72.8%, cash 14.3% of assets.

Cash / Assets
14.26%
Loans / Deposits
72.80%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.38%
No watch items at this period.

Capitalization

StrongQoQ +50
100
Sub-score

Capital position is strong: Tier 1 RBC 19.64%, CET1 19.64%, leverage 13.20%.

Tier 1 RBC
19.64%
CET1
19.64%
Leverage
13.20%
No watch items at this period.

Asset Quality

StrongQoQ +2
88
Sub-score

Asset quality is strong: Adjusted NPL 1.56%, Texas Ratio 6.5%, NCO YTD -0.10%.

Adjusted NPL
1.56%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
-0.10%
30-89 PD
0.77%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +17
78
Sub-score

Reserves are stable: ALLL 1.56% of loans, coverage 101.9%, true coverage 101.9%.

ALLL / Loans
1.56%
Coverage
101.9%
True Loss Coverage
101.9%
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: 2026-05-15 02:43:37 UTC