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State Bank Of Taunton

IDRSSD: 205458
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q4QoQ -8

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

Quarterly Headline

2024-Q4

Bank #205458 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -8 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -14
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -29

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.8%, cash 4.0% of assets.

Cash / Assets
3.97%
Loans / Deposits
84.76%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.57%
No watch items at this period.

Capitalization

StrongQoQ -14
86
Sub-score

Capital position is strong: Tier 1 RBC 12.74%, CET1 12.74%, leverage 13.27%.

Tier 1 RBC
12.74%
CET1
12.74%
Leverage
13.27%
No watch items at this period.

Asset Quality

StrongQoQ +1
94
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 5.6%, NCO YTD -0.05%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
5.6%
NCO YTD
-0.05%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -29
45
Sub-score

Reserves are deteriorating: ALLL 1.25% of loans, coverage 109.8%, true coverage 44.2%.

ALLL / Loans
1.25%
Coverage
109.8%
True Loss Coverage
44.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.2% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 16:32:29 UTC