Visbanking Logo
Skip to main content

The Iuka State Bank

IDRSSD: 233442
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-Q1QoQ -16

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

Quarterly Headline

2025-Q1

Bank #233442 2025-Q1 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.5% (threshold 100%).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -16 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -37
  • Reserves
    ↓ -46

The five pillars

Liquidity

StableQoQ -1
65
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 115.5%, cash 3.4% of assets.

Cash / Assets
3.38%
Loans / Deposits
115.50%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.5% (threshold 100%).

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.40%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.40%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -37
37
Sub-score

Asset quality is weak: Adjusted NPL 5.08%, Texas Ratio 34.3%, NCO YTD 0.72%.

Adjusted NPL
5.08%
Govt-guarantees stripped
Texas Ratio
34.3%
NCO YTD
0.72%
30-89 PD
0.85%
Band 0.3% / 3.0%
90+ PD
2.71%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.08% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.71%.

Reserves

RiskQoQ -46
36
Sub-score

Reserves are weak: ALLL 1.78% of loans, coverage 35.7%, true coverage 35.7%.

ALLL / Loans
1.78%
Coverage
35.7%
True Loss Coverage
35.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.7% (Adjusted NPL + Performing Mods denominator).

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 09:18:53 UTC