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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q3QoQ -3

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

Quarterly Headline

2024-Q3

Bank #312356 2024-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -4
87
Sub-score

Liquidity is strong: brokered 3.9%, loans/deposits 86.1%, cash 8.8% of assets.

Cash / Assets
8.77%
Loans / Deposits
86.07%
Brokered %
3.86%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.14%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.77%, CET1 18.77%, leverage 12.30%.

Tier 1 RBC
18.77%
CET1
18.77%
Leverage
12.30%
No watch items at this period.

Asset Quality

StableQoQ -6
69
Sub-score

Asset quality is stable: Adjusted NPL 1.29%, Texas Ratio 7.0%, NCO YTD 0.73%.

Adjusted NPL
1.29%
Govt-guarantees stripped
Texas Ratio
7.0%
NCO YTD
0.73%
30-89 PD
2.79%
Band 0.3% / 3.0%
90+ PD
0.42%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
84
Sub-score

Reserves are strong: ALLL 1.64% of loans, coverage 129.1%, true coverage 118.5%.

ALLL / Loans
1.64%
Coverage
129.1%
True Loss Coverage
118.5%
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