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Sturdy Savings Bank

IDRSSD: 391977
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #391977 2025-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.69% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.60% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +4
  • Capitalization
    ↑ +1
  • Asset Quality
    — —
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
80
Sub-score

Liquidity is strong: brokered 2.0%, loans/deposits 63.5%, cash 1.7% of assets.

Cash / Assets
1.69%
Loans / Deposits
63.48%
Brokered %
2.03%

Watch Items

  • watchCash / Assets below 3% — Cash 1.69% of assets (threshold 3%).

Securities

StrongQoQ +4
84
Sub-score

Securities profile is strong: securities 24.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.87%
No watch items at this period.

Capitalization

StrongQoQ +1
94
Sub-score

Capital position is strong: Tier 1 RBC 15.07%, CET1 15.07%, leverage 8.86%.

Tier 1 RBC
15.07%
CET1
15.07%
Leverage
8.86%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
70
Sub-score

Reserves are stable: ALLL 0.60% of loans, coverage 203.0%, true coverage 179.7%.

ALLL / Loans
0.60%
Coverage
203.0%
True Loss Coverage
179.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.60% of loans.

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: 2026-05-13 06:39:43 UTC