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Talbot State Bank

IDRSSD: 577230
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
73
/ 100
StableAs of 2024-Q3QoQ +4

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 #577230 2024-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.65% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
86
Sub-score

Liquidity is strong: brokered 20.7%, loans/deposits 68.0%, cash 13.5% of assets.

Cash / Assets
13.50%
Loans / Deposits
68.03%
Brokered %
20.67%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.96%
No watch items at this period.

Capitalization

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 21.80%, CET1 21.80%, leverage 9.36%.

Tier 1 RBC
21.80%
CET1
21.80%
Leverage
9.36%
No watch items at this period.

Asset Quality

StableQoQ +16
62
Sub-score

Asset quality is stable: Adjusted NPL 2.65%, Texas Ratio 15.7%, NCO YTD 0.00%.

Adjusted NPL
2.65%
Govt-guarantees stripped
Texas Ratio
15.7%
NCO YTD
0.00%
30-89 PD
9.02%
Band 0.3% / 3.0%
90+ PD
0.38%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.65% (govt-guarantees stripped).

Reserves

RiskQoQ 0
4
Sub-score

Reserves are weak: ALLL 0.62% of loans, coverage 23.7%, true coverage 23.7%.

ALLL / Loans
0.62%
Coverage
23.7%
True Loss Coverage
23.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.62% 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: 2026-05-12 19:53:24 UTC