Visbanking Logo
Skip to main content

State Bank Of New Richland

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #874452 2024-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 129.6% (threshold 100%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.84% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +11
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ 0
52
Sub-score

Liquidity is deteriorating: brokered 11.4%, loans/deposits 129.6%, cash 0.8% of assets.

Cash / Assets
0.84%
Loans / Deposits
129.61%
Brokered %
11.35%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 129.6% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.84% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +11
81
Sub-score

Capital position is strong: Tier 1 RBC 11.56%, CET1 11.56%, leverage 9.88%.

Tier 1 RBC
11.56%
CET1
11.56%
Leverage
9.88%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.8%, NCO YTD 0.00%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.00%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
79
Sub-score

Reserves are stable: ALLL 0.86% of loans, coverage 403.6%, true coverage 403.6%.

ALLL / Loans
0.86%
Coverage
403.6%
True Loss Coverage
403.6%
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: 2026-05-15 01:15:38 UTC