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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ -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-Q2

Bank #762045 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 121.5% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -22
  • Asset Quality
    ↑ +13
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -3
73
Sub-score

Liquidity is stable: brokered 0.6%, loans/deposits 121.5%, cash 6.9% of assets.

Cash / Assets
6.85%
Loans / Deposits
121.52%
Brokered %
0.61%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 121.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.03%
No watch items at this period.

Capitalization

WatchQoQ -22
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.73%, CET1 9.73%, leverage 9.85%.

Tier 1 RBC
9.73%
CET1
9.73%
Leverage
9.85%
No watch items at this period.

Asset Quality

StrongQoQ +13
100
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.4%, NCO YTD 0.04%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
0.04%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +7
100
Sub-score

Reserves are strong: ALLL 1.54% of loans, coverage 364.7%, true coverage 364.7%.

ALLL / Loans
1.54%
Coverage
364.7%
True Loss Coverage
364.7%
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