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Sturgis Bank And Trust Company

IDRSSD: 366078
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q3QoQ 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-Q3

Bank #366078 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.52% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +4
68
Sub-score

Liquidity is stable: brokered 5.3%, loans/deposits 93.5%, cash 2.5% of assets.

Cash / Assets
2.52%
Loans / Deposits
93.46%
Brokered %
5.29%

Watch Items

  • infoCash / Assets below 3% — Cash 2.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.08%
No watch items at this period.

Capitalization

WatchQoQ +4
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.01%, CET1 11.01%, leverage 7.68%.

Tier 1 RBC
11.01%
CET1
11.01%
Leverage
7.68%
No watch items at this period.

Asset Quality

StrongQoQ -3
93
Sub-score

Asset quality is strong: Adjusted NPL 0.82%, Texas Ratio 7.6%, NCO YTD -0.01%.

Adjusted NPL
0.82%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
-0.01%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
81
Sub-score

Reserves are strong: ALLL 1.24% of loans, coverage 152.5%, true coverage 125.1%.

ALLL / Loans
1.24%
Coverage
152.5%
True Loss Coverage
125.1%
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: 2026-05-13 06:32:00 UTC