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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q3QoQ +12

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

Quarterly Headline

2024-Q3

Bank #926650 2024-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.14% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.53% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +12 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +2
  • Capitalization
    — —
  • Asset Quality
    ↑ +24
  • Reserves
    ↑ +35

The five pillars

Liquidity

StrongQoQ +1
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.8%, cash 11.8% of assets.

Cash / Assets
11.75%
Loans / Deposits
71.79%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +2
72
Sub-score

Securities profile is stable: securities 28.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.52%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.48%, CET1 29.48%, leverage 20.62%.

Tier 1 RBC
29.48%
CET1
29.48%
Leverage
20.62%
No watch items at this period.

Asset Quality

StableQoQ +24
66
Sub-score

Asset quality is stable: Adjusted NPL 2.53%, Texas Ratio 6.6%, NCO YTD 3.14%.

Adjusted NPL
2.53%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
3.14%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.53% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.14% of loans.

Reserves

StableQoQ +35
71
Sub-score

Reserves are stable: ALLL 2.24% of loans, coverage 90.8%, true coverage 90.8%.

ALLL / Loans
2.24%
Coverage
90.8%
True Loss Coverage
90.8%
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