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State Bank Of Schaller

IDRSSD: 534242
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2023-Q4QoQ -31

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

Quarterly Headline

2023-Q4

Bank #534242 2023-Q4 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.96%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -31 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    ↑ +17
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -56
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +7
96
Sub-score

Liquidity is strong: brokered 5.9%, loans/deposits 33.7%, cash 10.2% of assets.

Cash / Assets
10.17%
Loans / Deposits
33.74%
Brokered %
5.88%
No watch items at this period.

Securities

WatchQoQ +17
52
Sub-score

Securities profile is deteriorating: securities 34.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
34.27%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.63%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.63%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -56
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.96%, Texas Ratio 8.9%, NCO YTD 1.12%.

Adjusted NPL
3.96%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
1.12%
30-89 PD
0.52%
Band 0.3% / 3.0%
90+ PD
3.96%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.96% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.96%.
  • infoNet charge-offs elevated — NCO YTD 1.12% of loans.

Reserves

Risk
32
Sub-score

Reserves are weak: ALLL 1.38% of loans, coverage 35.4%, true coverage 35.4%.

ALLL / Loans
1.38%
Coverage
35.4%
True Loss Coverage
35.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.4% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 16:42:16 UTC