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The Baldwin State Bank

IDRSSD: 997155
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q1QoQ -9

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

Quarterly Headline

2024-Q1

Bank #997155 2024-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.52% (govt-guarantees stripped).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.35%.

What changed this quarter

Compared to Q4 2023:
↓ -9 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +4
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -38

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 52.7%, cash 10.8% of assets.

Cash / Assets
10.80%
Loans / Deposits
52.66%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +4
93
Sub-score

Securities profile is strong: securities 22.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
22.15%
No watch items at this period.

Capitalization

WatchQoQ 0
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.94%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.94%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -14
68
Sub-score

Asset quality is stable: Adjusted NPL 2.52%, Texas Ratio 11.4%, NCO YTD -0.01%.

Adjusted NPL
2.52%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
-0.01%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
1.35%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.52% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.35%.

Reserves

RiskQoQ -38
37
Sub-score

Reserves are weak: ALLL 1.29% of loans, coverage 51.7%, true coverage 51.7%.

ALLL / Loans
1.29%
Coverage
51.7%
True Loss Coverage
51.7%
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 08:43:02 UTC