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State Bank Of Jeffers

IDRSSD: 1014255
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
92
/ 100
StrongAs of 2023-Q4QoQ +4

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 #1014255 2023-Q4 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Asset Quality (strong).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.94% of loans.

What changed this quarter

Compared to Q3 2023:
↑ +4 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    ↑ +43
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +8
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.7%, cash 5.2% of assets.

Cash / Assets
5.20%
Loans / Deposits
59.70%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +43
97
Sub-score

Securities profile is strong: securities 21.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.00%
No watch items at this period.

Capitalization

StrongQoQ -3
97
Sub-score

Capital position is strong: Tier 1 RBC 13.36%, CET1 13.36%, leverage 11.43%.

Tier 1 RBC
13.36%
CET1
13.36%
Leverage
11.43%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 0.9%, NCO YTD 7.94%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
7.94%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 7.94% of loans.

Reserves

Strong
96
Sub-score

Reserves are strong: ALLL 1.38% of loans, coverage 643.9%, true coverage 643.9%.

ALLL / Loans
1.38%
Coverage
643.9%
True Loss Coverage
643.9%
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: 2026-05-12 00:58:53 UTC