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The Corner Stone Bank

IDRSSD: 312356
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
84
/ 100
StrongAs of 2024-Q1QoQ -2

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 #312356 2024-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.14% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ +8
89
Sub-score

Liquidity is strong: brokered 4.5%, loans/deposits 85.2%, cash 10.0% of assets.

Cash / Assets
9.99%
Loans / Deposits
85.18%
Brokered %
4.51%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.34%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.57%, CET1 18.57%, leverage 12.55%.

Tier 1 RBC
18.57%
CET1
18.57%
Leverage
12.55%
No watch items at this period.

Asset Quality

StableQoQ -4
65
Sub-score

Asset quality is stable: Adjusted NPL 2.14%, Texas Ratio 11.6%, NCO YTD 0.07%.

Adjusted NPL
2.14%
Govt-guarantees stripped
Texas Ratio
11.6%
NCO YTD
0.07%
30-89 PD
5.33%
Band 0.3% / 3.0%
90+ PD
0.52%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.14% (govt-guarantees stripped).

Reserves

StableQoQ -15
63
Sub-score

Reserves are stable: ALLL 1.69% of loans, coverage 80.3%, true coverage 77.9%.

ALLL / Loans
1.69%
Coverage
80.3%
True Loss Coverage
77.9%
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 23:25:17 UTC