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State Bank Of New Richland

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ -8

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

Quarterly Headline

2024-Q2

Bank #874452 2024-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 143.4% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.01% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -19

The five pillars

Liquidity

WatchQoQ -1
51
Sub-score

Liquidity is deteriorating: brokered 13.1%, loans/deposits 143.4%, cash 1.0% of assets.

Cash / Assets
1.01%
Loans / Deposits
143.37%
Brokered %
13.13%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 143.4% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.01% 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

StableQoQ -12
69
Sub-score

Capital position is stable: Tier 1 RBC 11.28%, CET1 11.28%, leverage 9.75%.

Tier 1 RBC
11.28%
CET1
11.28%
Leverage
9.75%
No watch items at this period.

Asset Quality

StrongQoQ -9
90
Sub-score

Asset quality is strong: Adjusted NPL 0.71%, Texas Ratio 6.1%, NCO YTD 0.00%.

Adjusted NPL
0.71%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
0.00%
30-89 PD
0.75%
Band 0.3% / 3.0%
90+ PD
0.68%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -19
59
Sub-score

Reserves are deteriorating: ALLL 0.83% of loans, coverage 117.7%, true coverage 117.7%.

ALLL / Loans
0.83%
Coverage
117.7%
True Loss Coverage
117.7%
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