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Streator Home Savings Bank

IDRSSD: 142179
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
54
/ 100
WatchAs of 2024-Q1QoQ 0

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 #142179 2024-Q1 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -1
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 31.1%, cash 5.4% of assets.

Cash / Assets
5.38%
Loans / Deposits
31.12%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 63.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
63.35%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 26.40%.

Tier 1 RBC
—
CET1
0.00%
Leverage
26.40%

Watch Items

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

Asset Quality

StrongQoQ +3
86
Sub-score

Asset quality is strong: Adjusted NPL 1.73%, Texas Ratio 1.4%, NCO YTD 0.00%.

Adjusted NPL
1.73%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
0.00%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
12
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 46.5%, true coverage 34.8%.

ALLL / Loans
0.80%
Coverage
46.5%
True Loss Coverage
34.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.8% (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: 2026-05-15 02:27:54 UTC