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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2025-Q4QoQ +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-Q4

Bank #534242 2025-Q4 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +30
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
92
Sub-score

Liquidity is strong: brokered 11.8%, loans/deposits 30.0%, cash 19.4% of assets.

Cash / Assets
19.44%
Loans / Deposits
30.04%
Brokered %
11.81%
No watch items at this period.

Securities

StableQoQ +30
61
Sub-score

Securities profile is stable: securities 31.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.66%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.55%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.55%

Watch Items

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

Asset Quality

RiskQoQ +5
38
Sub-score

Asset quality is weak: Adjusted NPL 6.97%, Texas Ratio 12.8%, NCO YTD 0.12%.

Adjusted NPL
6.97%
Govt-guarantees stripped
Texas Ratio
12.8%
NCO YTD
0.12%
30-89 PD
2.20%
Band 0.3% / 3.0%
90+ PD
5.60%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.97% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.60%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.58% of loans, coverage 23.0%, true coverage 23.0%.

ALLL / Loans
1.58%
Coverage
23.0%
True Loss Coverage
23.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.0% (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