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State Savings Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q1QoQ -2

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

Quarterly Headline

2024-Q1

Bank #762045 2024-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 118.6% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.19%.

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +11
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -4
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 118.6%, cash 7.9% of assets.

Cash / Assets
7.89%
Loans / Deposits
118.65%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 118.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.06%
No watch items at this period.

Capitalization

StableQoQ +11
77
Sub-score

Capital position is stable: Tier 1 RBC 11.07%, CET1 11.07%, leverage 10.04%.

Tier 1 RBC
11.07%
CET1
11.07%
Leverage
10.04%
No watch items at this period.

Asset Quality

StrongQoQ -11
87
Sub-score

Asset quality is strong: Adjusted NPL 0.83%, Texas Ratio 6.6%, NCO YTD 0.01%.

Adjusted NPL
0.83%
Govt-guarantees stripped
Texas Ratio
6.6%
NCO YTD
0.01%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
1.19%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.19%.

Reserves

StrongQoQ -6
93
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 176.1%, true coverage 176.1%.

ALLL / Loans
1.44%
Coverage
176.1%
True Loss Coverage
176.1%
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 08:15:13 UTC