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The James Polk Stone Community Bank

IDRSSD: 785857
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
83
/ 100
StrongAs of 2024-Q3QoQ +1

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 #785857 2024-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
98
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 49.8%, cash 19.3% of assets.

Cash / Assets
19.30%
Loans / Deposits
49.77%
Brokered %
3.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.90%
No watch items at this period.

Capitalization

WatchQoQ +2
45
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.37%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.37%

Watch Items

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

Asset Quality

StrongQoQ +4
89
Sub-score

Asset quality is strong: Adjusted NPL 1.04%, Texas Ratio 4.3%, NCO YTD 0.09%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
0.09%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.46% of loans, coverage 242.4%, true coverage 214.9%.

ALLL / Loans
2.46%
Coverage
242.4%
True Loss Coverage
214.9%
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: 2026-05-13 09:48:25 UTC