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The Donley County State Bank

IDRSSD: 753856
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
77
/ 100
StableAs of 2025-Q2QoQ -6

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 #753856 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.62% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -6 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +4
  • Capitalization
    — —
  • Asset Quality
    ↓ -25
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 21.4%, cash 23.8% of assets.

Cash / Assets
23.76%
Loans / Deposits
21.44%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +4
4
Sub-score

Securities profile is weak: securities 48.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
48.83%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 57.38%, CET1 57.38%, leverage 19.37%.

Tier 1 RBC
57.38%
CET1
57.38%
Leverage
19.37%
No watch items at this period.

Asset Quality

StableQoQ -25
67
Sub-score

Asset quality is stable: Adjusted NPL 0.40%, Texas Ratio 0.3%, NCO YTD 1.62%.

Adjusted NPL
0.40%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
1.62%
30-89 PD
3.46%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.62% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.65% of loans, coverage 684.4%, true coverage 684.4%.

ALLL / Loans
2.65%
Coverage
684.4%
True Loss Coverage
684.4%
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: 2026-05-12 03:27:58 UTC