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The Napoleon State Bank

IDRSSD: 944047
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q1QoQ -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-Q1

Bank #944047 2024-Q1 Vital Signs Score: 84/100 — 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 Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -1
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.4%, cash 12.0% of assets.

Cash / Assets
11.99%
Loans / Deposits
78.43%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.14%
No watch items at this period.

Capitalization

WatchQoQ +1
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.17%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.17%

Watch Items

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

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.39%, Texas Ratio 2.5%, NCO YTD 0.02%.

Adjusted NPL
0.39%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.02%
30-89 PD
1.14%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
93
Sub-score

Reserves are strong: ALLL 1.28% of loans, coverage 330.1%, true coverage 330.1%.

ALLL / Loans
1.28%
Coverage
330.1%
True Loss Coverage
330.1%
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 00:48:11 UTC