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State Bank Of New Richland

IDRSSD: 874452
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 874452 held $125.5M in total assets as of 2026-03-31 (-0.5% quarter-over-quarter). Total loans stood at $111.8M (+0.3% QoQ) and total deposits at $78.1M (-7.6% QoQ).

Overall position is adequate — the composite Health Score is 46/100 (Adequate). Tier 1 / RWA stands at 11.52%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the above median of peers.

4 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
46/100
Adequate
Active Alerts
4
0 critical, 3 warning
Total Assets
$125.5M
-0.5% QoQ
Total Loans
$111.8M
+0.3% QoQ
Total Deposits
$78.1M
-7.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
11.52%
9th pctile · n=212↑ better
+72 bp QoQ
CET1 / RWA
11.52%
62th pctile · n=500↑ better
+73 bp QoQ
Total RBC / RWA
12.45%
8th pctile · n=212↑ better
+75 bp QoQ
Tier 1 Leverage Ratio
11.52%
61th pctile · n=500↑ better
+73 bp QoQ

Liquidity

Cash / Assets
2.20%
21th pctile · n=500↑ better
-39 bp QoQ
Loans / Deposits
143.16%
100th pctile · n=494↓ better
+1127 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.16%
40th pctile · n=500↓ better
-1 bp QoQ
NPA / Assets
0.15%
42th pctile · n=500↓ better
-1 bp QoQ
Texas Ratio (regulatory)
1.39%
46th pctile · n=500↓ better
-21 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
44th pctile · n=500↓ better
ALLL Coverage of NPL
539.01%
81th pctile · n=500↑ better
+5366 bp QoQ

Earnings

Net Interest Margin
3.56%
31th pctile · n=500↑ better
+10 bp QoQ
Return on Assets
2.12%
91th pctile · n=500↑ better
+70 bp QoQ
Return on Equity
23.02%
95th pctile · n=500↑ better
+777 bp QoQ
Efficiency Ratio
39.01%
3th pctile · n=500↓ better
-1376 bp QoQ
Pre-tax NOI / Avg Assets
2.12%
87th pctile · n=500↑ better
+53 bp QoQ

Funding

Brokered / Deposits
8.64%
87th pctile · n=494↓ better
-695 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
28.80%
100th pctile · n=500↓ better
+382 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
5.80%
18th pctile · n=500↑ better
-2 bp QoQ
AFS Securities / Assets
5.80%
27th pctile · n=500↑ better
-2 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 01:16:04 UTC