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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-Q3

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

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ 0

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 #362940 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.43% of loans.
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.24%.

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ -2
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.3%, cash 5.2% of assets.

Cash / Assets
5.23%
Loans / Deposits
65.28%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.55%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.93%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.93%

Watch Items

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

Asset Quality

WatchQoQ -2
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.84%, Texas Ratio 6.1%, NCO YTD 2.43%.

Adjusted NPL
1.84%
Govt-guarantees stripped
Texas Ratio
6.1%
NCO YTD
2.43%
30-89 PD
2.35%
Band 0.3% / 3.0%
90+ PD
1.24%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.24%.
  • watchNet charge-offs elevated — NCO YTD 2.43% of loans.

Reserves

StrongQoQ +4
89
Sub-score

Reserves are strong: ALLL 2.68% of loans, coverage 149.5%, true coverage 133.7%.

ALLL / Loans
2.68%
Coverage
149.5%
True Loss Coverage
133.7%
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