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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2026-Q1QoQ -2

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

Quarterly Headline

2026-Q1

Bank #366078 2026-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -12

The five pillars

Liquidity

StrongQoQ +3
80
Sub-score

Liquidity is strong: brokered 1.2%, loans/deposits 86.9%, cash 5.3% of assets.

Cash / Assets
5.28%
Loans / Deposits
86.93%
Brokered %
1.22%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.78%
No watch items at this period.

Capitalization

StableQoQ -2
65
Sub-score

Capital position is stable: Tier 1 RBC 11.44%, CET1 11.44%, leverage 8.02%.

Tier 1 RBC
11.44%
CET1
11.44%
Leverage
8.02%
No watch items at this period.

Asset Quality

StrongQoQ -3
91
Sub-score

Asset quality is strong: Adjusted NPL 1.30%, Texas Ratio 11.3%, NCO YTD 0.01%.

Adjusted NPL
1.30%
Govt-guarantees stripped
Texas Ratio
11.3%
NCO YTD
0.01%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -12
47
Sub-score

Reserves are deteriorating: ALLL 1.14% of loans, coverage 88.6%, true coverage 65.4%.

ALLL / Loans
1.14%
Coverage
88.6%
True Loss Coverage
65.4%
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