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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 — 2025-Q3

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

Synthesis

Vital Signs Score
48
/ 100
WatchAs of 2025-Q3QoQ -6

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 #534242 2025-Q3 Vital Signs Score: 48/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.49% (govt-guarantees stripped).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 5.20%.

What changed this quarter

Compared to Q2 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↓ -3
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -3
89
Sub-score

Liquidity is strong: brokered 12.3%, loans/deposits 29.1%, cash 8.7% of assets.

Cash / Assets
8.71%
Loans / Deposits
29.07%
Brokered %
12.32%
No watch items at this period.

Securities

RiskQoQ -3
31
Sub-score

Securities profile is weak: securities 40.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
40.63%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.63%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.63%

Watch Items

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

Asset Quality

RiskQoQ -13
33
Sub-score

Asset quality is weak: Adjusted NPL 6.49%, Texas Ratio 11.3%, NCO YTD 0.00%.

Adjusted NPL
6.49%
Govt-guarantees stripped
Texas Ratio
11.3%
NCO YTD
0.00%
30-89 PD
8.44%
Band 0.3% / 3.0%
90+ PD
5.20%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.49% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.20%.

Reserves

RiskQoQ -9
33
Sub-score

Reserves are weak: ALLL 1.73% of loans, coverage 27.1%, true coverage 27.1%.

ALLL / Loans
1.73%
Coverage
27.1%
True Loss Coverage
27.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.1% (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