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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q3QoQ 0

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

Quarterly Headline

2024-Q3

Bank #874452 2024-Q3 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 141.7% (threshold 100%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.22% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -2
50
Sub-score

Liquidity is deteriorating: brokered 15.5%, loans/deposits 141.7%, cash 0.2% of assets.

Cash / Assets
0.22%
Loans / Deposits
141.68%
Brokered %
15.47%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 141.7% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.22% 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 +1
71
Sub-score

Capital position is stable: Tier 1 RBC 11.43%, CET1 11.43%, leverage 9.72%.

Tier 1 RBC
11.43%
CET1
11.43%
Leverage
9.72%
No watch items at this period.

Asset Quality

StrongQoQ +2
92
Sub-score

Asset quality is strong: Adjusted NPL 0.74%, Texas Ratio 6.3%, NCO YTD 0.00%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
0.00%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.71%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
58
Sub-score

Reserves are deteriorating: ALLL 0.83% of loans, coverage 112.5%, true coverage 112.5%.

ALLL / Loans
0.83%
Coverage
112.5%
True Loss Coverage
112.5%
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