Liquidity
StrongQoQ +10
93
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 57.1%, cash 6.9% of assets.
- Cash / Assets
- 6.95%
- Loans / Deposits
- 57.06%
- Brokered %
- 0.00%
No watch items at this period.
State Bank Of Jeffers
IDRSSD: 1014255
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q4
Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
93
/ 100
StrongAs of 2024-Q4QoQ +9
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2024-Q4
Bank #1014255 2024-Q4 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Asset Quality (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 Q3 2024:
↑ +9 ptscomposite
- Liquidity↑ +10
- Securities↑ +39
- Capitalization↓ -1
- Asset Quality↑ +7
- Reserves↓ -2
The five pillars
Securities
StrongQoQ +39
92
Sub-score
Securities profile is strong: securities 22.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 22.49%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -1
99
Sub-score
Capital position is strong: Tier 1 RBC 14.88%, CET1 14.88%, leverage 12.26%.
- Tier 1 RBC
- 14.88%
- CET1
- 14.88%
- Leverage
- 12.26%
No watch items at this period.
Asset Quality
StrongQoQ +7
100
Sub-score
Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD -0.08%.
- Adjusted NPL
- 0.00%
- Texas Ratio
- 0.0%
- NCO YTD
- -0.08%
- 30-89 PD
- 0.06%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -2
73
Sub-score
Reserves are stable: ALLL 1.23% of loans.
- ALLL / Loans
- 1.23%
- 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.tsfor 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