Visbanking Logo
Skip to main content

State Bank Of Industry

IDRSSD: 944935
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
95
/ 100
StrongAs 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 #944935 2023-Q4 Vital Signs Score: 95/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (strong).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.90% of loans.

What changed this quarter

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

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.0%, cash 14.9% of assets.

Cash / Assets
14.92%
Loans / Deposits
68.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.20%, CET1 22.20%, leverage 15.12%.

Tier 1 RBC
22.20%
CET1
22.20%
Leverage
15.12%
No watch items at this period.

Asset Quality

StrongQoQ -8
81
Sub-score

Asset quality is strong: Adjusted NPL 0.40%, Texas Ratio 1.5%, NCO YTD 1.90%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
1.90%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.90% of loans.

Reserves

Strong
97
Sub-score

Reserves are strong: ALLL 1.42% of loans, coverage 358.6%, true coverage 358.6%.

ALLL / Loans
1.42%
Coverage
358.6%
True Loss Coverage
358.6%
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 02:16:49 UTC