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The State Bank Of Toledo

IDRSSD: 490348
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2023-Q4QoQ -21

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

Quarterly Headline

2023-Q4

Bank #490348 2023-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.52% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.2% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -21 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -43
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 3.7%, loans/deposits 93.6%, cash 9.1% of assets.

Cash / Assets
9.12%
Loans / Deposits
93.64%
Brokered %
3.67%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.51%
No watch items at this period.

Capitalization

StableQoQ -11
78
Sub-score

Capital position is stable: Tier 1 RBC 11.23%, CET1 11.23%, leverage 10.17%.

Tier 1 RBC
11.23%
CET1
11.23%
Leverage
10.17%
No watch items at this period.

Asset Quality

WatchQoQ -43
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.52%, Texas Ratio 26.2%, NCO YTD 0.15%.

Adjusted NPL
3.52%
Govt-guarantees stripped
Texas Ratio
26.2%
NCO YTD
0.15%
30-89 PD
2.56%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.52% (govt-guarantees stripped).

Reserves

Watch
42
Sub-score

Reserves are deteriorating: ALLL 1.70% of loans, coverage 49.2%, true coverage 49.2%.

ALLL / Loans
1.70%
Coverage
49.2%
True Loss Coverage
49.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.2% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.2% (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: 2026-05-13 18:11:25 UTC