Visbanking Logo
Skip to main content

The Converse County Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q2QoQ -3

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

Quarterly Headline

2025-Q2

Bank #72258 2025-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -3
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -9

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 31.7%, cash 17.1% of assets.

Cash / Assets
17.14%
Loans / Deposits
31.68%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -3
71
Sub-score

Securities profile is stable: securities 28.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.60%
No watch items at this period.

Capitalization

StrongQoQ -1
98
Sub-score

Capital position is strong: Tier 1 RBC 27.21%, CET1 27.21%, leverage 9.59%.

Tier 1 RBC
27.21%
CET1
27.21%
Leverage
9.59%
No watch items at this period.

Asset Quality

StrongQoQ -3
87
Sub-score

Asset quality is strong: Adjusted NPL 1.69%, Texas Ratio 4.8%, NCO YTD 0.11%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.11%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -9
57
Sub-score

Reserves are deteriorating: ALLL 1.38% of loans, coverage 82.4%, true coverage 72.4%.

ALLL / Loans
1.38%
Coverage
82.4%
True Loss Coverage
72.4%
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 13:44:05 UTC