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Table Rock Community Bank

IDRSSD: 3446225
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #3446225 2024-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -5
79
Sub-score

Liquidity is stable: brokered 9.0%, loans/deposits 80.1%, cash 5.4% of assets.

Cash / Assets
5.37%
Loans / Deposits
80.11%
Brokered %
8.99%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -4
72
Sub-score

Capital position is stable: Tier 1 RBC 12.15%, CET1 12.15%, leverage 8.32%.

Tier 1 RBC
12.15%
CET1
12.15%
Leverage
8.32%
No watch items at this period.

Asset Quality

StrongQoQ +5
94
Sub-score

Asset quality is strong: Adjusted NPL 0.20%, Texas Ratio 1.5%, NCO YTD 0.03%.

Adjusted NPL
0.20%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.03%
30-89 PD
1.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 534.4%, true coverage 534.4%.

ALLL / Loans
1.04%
Coverage
534.4%
True Loss Coverage
534.4%
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: 2026-05-14 08:41:16 UTC