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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #1014255 2025-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.12% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +1
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 61.1%, cash 2.1% of assets.

Cash / Assets
2.12%
Loans / Deposits
61.07%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.12% of assets (threshold 3%).

Securities

StableQoQ +1
62
Sub-score

Securities profile is stable: securities 31.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.34%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.04%, CET1 19.04%, leverage 12.86%.

Tier 1 RBC
19.04%
CET1
19.04%
Leverage
12.86%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

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

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

Reserves

StableQoQ -1
77
Sub-score

Reserves are stable: ALLL 1.27% of loans.

ALLL / Loans
1.27%
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