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The Exchange State Bank

IDRSSD: 362043
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
75
/ 100
StableAs of 2024-Q3QoQ -6

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 #362043 2024-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
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 Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -44

The five pillars

Liquidity

StrongQoQ +1
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 70.8%, cash 3.6% of assets.

Cash / Assets
3.62%
Loans / Deposits
70.79%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +2
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.87%, CET1 10.87%, leverage 8.22%.

Tier 1 RBC
10.87%
CET1
10.87%
Leverage
8.22%
No watch items at this period.

Asset Quality

StrongQoQ -1
89
Sub-score

Asset quality is strong: Adjusted NPL 1.79%, Texas Ratio 11.5%, NCO YTD -0.02%.

Adjusted NPL
1.79%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
-0.02%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -44
43
Sub-score

Reserves are deteriorating: ALLL 1.16% of loans, coverage 65.8%, true coverage 65.8%.

ALLL / Loans
1.16%
Coverage
65.8%
True Loss Coverage
65.8%
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: 2026-05-15 01:38:32 UTC