Visbanking Logo
Skip to main content

State Bank Of Table Rock

IDRSSD: 660253
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q1QoQ +7

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

Quarterly Headline

2025-Q1

Bank #660253 2025-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.2% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +22
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +5
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 105.2%, cash 10.2% of assets.

Cash / Assets
10.21%
Loans / Deposits
105.19%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.25%
No watch items at this period.

Capitalization

StableQoQ +22
62
Sub-score

Capital position is stable: Tier 1 RBC 10.88%, CET1 10.88%, leverage 8.72%.

Tier 1 RBC
10.88%
CET1
10.88%
Leverage
8.72%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 4.1%, NCO YTD -0.02%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
-0.02%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
84
Sub-score

Reserves are strong: ALLL 1.01% of loans, coverage 217.1%, true coverage 217.1%.

ALLL / Loans
1.01%
Coverage
217.1%
True Loss Coverage
217.1%
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 01:11:04 UTC