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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ +3

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

Quarterly Headline

2025-Q3

Bank #874452 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 131.5% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.58% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ 0
51
Sub-score

Liquidity is deteriorating: brokered 18.2%, loans/deposits 131.5%, cash 2.6% of assets.

Cash / Assets
2.58%
Loans / Deposits
131.49%
Brokered %
18.19%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 131.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.58% 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 +9
77
Sub-score

Capital position is stable: Tier 1 RBC 11.93%, CET1 11.93%, leverage 9.95%.

Tier 1 RBC
11.93%
CET1
11.93%
Leverage
9.95%
No watch items at this period.

Asset Quality

StrongQoQ +3
100
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.4%, NCO YTD 0.03%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.03%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
79
Sub-score

Reserves are stable: ALLL 0.87% of loans, coverage 501.0%, true coverage 501.0%.

ALLL / Loans
0.87%
Coverage
501.0%
True Loss Coverage
501.0%
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