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The Kansas State Bank

IDRSSD: 287959
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
88
/ 100
StrongAs of 2024-Q3QoQ +14

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 #287959 2024-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.65% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↑ +14 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↓ -4
  • Capitalization
    ↑ +58
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 46.1%, cash 2.7% of assets.

Cash / Assets
2.65%
Loans / Deposits
46.08%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.65% of assets (threshold 3%).

Securities

StableQoQ -4
61
Sub-score

Securities profile is stable: securities 31.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.73%
No watch items at this period.

Capitalization

StrongQoQ +58
95
Sub-score

Capital position is strong: Tier 1 RBC 20.53%, CET1 20.53%, leverage 8.76%.

Tier 1 RBC
20.53%
CET1
20.53%
Leverage
8.76%
No watch items at this period.

Asset Quality

StrongQoQ +4
97
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD 0.00%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.00%
30-89 PD
0.78%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -6
92
Sub-score

Reserves are strong: ALLL 1.27% of loans, coverage 5194.4%, true coverage 5194.4%.

ALLL / Loans
1.27%
Coverage
5194.4%
True Loss Coverage
5194.4%
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 01:20:21 UTC