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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q3QoQ -12

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

Quarterly Headline

2024-Q3

Bank #1014255 2024-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.60% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -12 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↓ -43
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -25

The five pillars

Liquidity

StrongQoQ -2
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.3%, cash 2.6% of assets.

Cash / Assets
2.60%
Loans / Deposits
59.31%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.60% of assets (threshold 3%).

Securities

WatchQoQ -43
53
Sub-score

Securities profile is deteriorating: securities 34.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
34.22%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.95%, CET1 18.95%, leverage 12.60%.

Tier 1 RBC
18.95%
CET1
18.95%
Leverage
12.60%
No watch items at this period.

Asset Quality

StrongQoQ -7
93
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.86%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.86%
30-89 PD
0.01%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -25
74
Sub-score

Reserves are stable: ALLL 1.24% of loans.

ALLL / Loans
1.24%
Coverage
—
True Loss Coverage
—
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