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The Converse County Bank

IDRSSD: 72258
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #72258 2025-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +3
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 30.6%, cash 19.0% of assets.

Cash / Assets
19.01%
Loans / Deposits
30.61%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +3
75
Sub-score

Securities profile is stable: securities 27.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.62%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 28.23%, CET1 28.23%, leverage 9.91%.

Tier 1 RBC
28.23%
CET1
28.23%
Leverage
9.91%
No watch items at this period.

Asset Quality

StrongQoQ 0
90
Sub-score

Asset quality is strong: Adjusted NPL 1.67%, Texas Ratio 4.6%, NCO YTD 0.01%.

Adjusted NPL
1.67%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
0.01%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
65
Sub-score

Reserves are stable: ALLL 1.42% of loans, coverage 86.1%, true coverage 86.1%.

ALLL / Loans
1.42%
Coverage
86.1%
True Loss Coverage
86.1%
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 13:44:05 UTC