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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q3QoQ -3

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

Quarterly Headline

2025-Q3

Bank #362940 2025-Q3 Vital Signs Score: 70/100 — 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. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.64% of loans.
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.55%.

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +3
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.5%, cash 5.5% of assets.

Cash / Assets
5.51%
Loans / Deposits
56.48%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.31%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.70%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.70%

Watch Items

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

Asset Quality

WatchQoQ -15
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.10%, Texas Ratio 6.0%, NCO YTD 3.64%.

Adjusted NPL
2.10%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
3.64%
30-89 PD
2.48%
Band 0.3% / 3.0%
90+ PD
1.55%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.10% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.55%.
  • riskNet charge-offs elevated — NCO YTD 3.64% of loans.

Reserves

StrongQoQ -1
93
Sub-score

Reserves are strong: ALLL 3.43% of loans, coverage 168.9%, true coverage 151.5%.

ALLL / Loans
3.43%
Coverage
168.9%
True Loss Coverage
151.5%
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