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Stockmens National Bank In Cotulla

IDRSSD: 818652
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
65
/ 100
StableAs of 2024-Q4QoQ -11

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 #818652 2024-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.8% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -11 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -28
  • Reserves
    ↓ -24

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 26.2%, cash 31.3% of assets.

Cash / Assets
31.32%
Loans / Deposits
26.16%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.06%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.52%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.52%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -28
61
Sub-score

Asset quality is stable: Adjusted NPL 3.19%, Texas Ratio 7.9%, NCO YTD -0.01%.

Adjusted NPL
3.19%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
-0.01%
30-89 PD
5.59%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.19% (govt-guarantees stripped).

Reserves

RiskQoQ -24
15
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 29.8%, true coverage 29.8%.

ALLL / Loans
0.94%
Coverage
29.8%
True Loss Coverage
29.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.8% (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: 2026-05-14 19:56:46 UTC