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The Baxter State Bank

IDRSSD: 1000856
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2023-Q4QoQ -37

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

Quarterly Headline

2023-Q4

Bank #1000856 2023-Q4 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.78%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -37 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↑ +8
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -64
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.9%, cash 8.7% of assets.

Cash / Assets
8.67%
Loans / Deposits
70.87%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +8
97
Sub-score

Securities profile is strong: securities 20.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.80%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.80%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.80%

Watch Items

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

Asset Quality

RiskQoQ -64
36
Sub-score

Asset quality is weak: Adjusted NPL 4.30%, Texas Ratio 9.9%, NCO YTD -0.06%.

Adjusted NPL
4.30%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
-0.06%
30-89 PD
10.43%
Band 0.3% / 3.0%
90+ PD
2.78%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.30% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.78%.

Reserves

Risk
36
Sub-score

Reserves are weak: ALLL 1.51% of loans, coverage 35.6%, true coverage 35.6%.

ALLL / Loans
1.51%
Coverage
35.6%
True Loss Coverage
35.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.6% (Adjusted NPL + Performing Mods denominator).

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 13:36:08 UTC