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State Bank Of Scotia

IDRSSD: 926650
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
81
/ 100
StrongAs of 2023-Q4QoQ -14

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 #926650 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.12% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +3
  • Capitalization
    — —
  • Asset Quality
    ↓ -34
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.2%, cash 12.3% of assets.

Cash / Assets
12.27%
Loans / Deposits
71.16%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +3
74
Sub-score

Securities profile is stable: securities 27.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.80%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.69%, CET1 27.69%, leverage 19.50%.

Tier 1 RBC
27.69%
CET1
27.69%
Leverage
19.50%
No watch items at this period.

Asset Quality

StableQoQ -34
66
Sub-score

Asset quality is stable: Adjusted NPL 4.12%, Texas Ratio 11.2%, NCO YTD 0.01%.

Adjusted NPL
4.12%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.01%
30-89 PD
0.75%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.12% (govt-guarantees stripped).

Reserves

Watch
53
Sub-score

Reserves are deteriorating: ALLL 2.60% of loans, coverage 64.9%, true coverage 64.9%.

ALLL / Loans
2.60%
Coverage
64.9%
True Loss Coverage
64.9%
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: 2026-05-14 17:03:30 UTC