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State Savings Bank

IDRSSD: 762045
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 762045 held $327.5M in total assets as of 2026-03-31 (+19.4% quarter-over-quarter). Total loans stood at $229.7M (-2.7% QoQ) and total deposits at $259.0M (+26.6% QoQ).

Overall position is weak — the composite Health Score is 34/100 (Weak). Tier 1 / RWA stands at 9.37%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
34/100
Weak
Active Alerts
2
0 critical, 0 warning
Total Assets
$327.5M
+19.4% QoQ
Total Loans
$229.7M
-2.7% QoQ
Total Deposits
$259.0M
+26.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
9.37%
0th pctile · n=266↑ better
-89 bp QoQ
CET1 / RWA
9.37%
47th pctile · n=500↑ better
-89 bp QoQ
Total RBC / RWA
10.62%
1th pctile · n=266↑ better
-89 bp QoQ
Tier 1 Leverage Ratio
9.37%
47th pctile · n=500↑ better
-89 bp QoQ

Liquidity

Cash / Assets
26.63%
97th pctile · n=500↑ better
+1665 bp QoQ
Loans / Deposits
88.72%
71th pctile · n=494↓ better
-2671 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.31%
79th pctile · n=500↓ better
+70 bp QoQ
NPA / Assets
0.93%
79th pctile · n=500↓ better
+40 bp QoQ
Texas Ratio (regulatory)
10.75%
86th pctile · n=500↓ better
+561 bp QoQ
Net Charge-Offs / Avg Loans
0.84%
97th pctile · n=500↓ better
-35 bp QoQ
ALLL Coverage of NPL
123.22%
43th pctile · n=500↑ better
-15273 bp QoQ

Earnings

Net Interest Margin
3.46%
29th pctile · n=500↑ better
-46 bp QoQ
Return on Assets
1.16%
48th pctile · n=500↑ better
-2 bp QoQ
Return on Equity
14.32%
68th pctile · n=500↑ better
+111 bp QoQ
Efficiency Ratio
55.58%
27th pctile · n=500↓ better
-486 bp QoQ
Pre-tax NOI / Avg Assets
1.21%
40th pctile · n=500↑ better
+4 bp QoQ

Funding

Brokered / Deposits
0.59%
59th pctile · n=494↓ better
+9 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
14.01%
95th pctile · n=500↓ better
-316 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
0.10%
4th pctile · n=500↑ better
-2 bp QoQ
AFS Securities / Assets
0.00%
4th pctile · n=500↑ better
HTM Securities / Assets
0.01%
71th pctile · n=500↑ better
-0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 08:15:07 UTC