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State Bank Of St Jacob

IDRSSD: 362940
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q1QoQ -6

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

Quarterly Headline

2024-Q1

Bank #362940 2024-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.16% (govt-guarantees stripped).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.12%.

What changed this quarter

Compared to Q4 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -12

The five pillars

Liquidity

StrongQoQ -1
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.9%, cash 7.8% of assets.

Cash / Assets
7.79%
Loans / Deposits
63.93%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.59%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.18%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.18%

Watch Items

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

Asset Quality

WatchQoQ -18
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.16%, Texas Ratio 10.3%, NCO YTD 0.47%.

Adjusted NPL
3.16%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.47%
30-89 PD
2.69%
Band 0.3% / 3.0%
90+ PD
1.12%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.16% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.12%.

Reserves

StableQoQ -12
72
Sub-score

Reserves are stable: ALLL 2.98% of loans, coverage 97.0%, true coverage 89.9%.

ALLL / Loans
2.98%
Coverage
97.0%
True Loss Coverage
89.9%
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: 2026-05-15 05:40:05 UTC