Visbanking Logo
Skip to main content

The State Bank Of Toledo

IDRSSD: 490348
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
72
/ 100
StableAs of 2024-Q1QoQ 0

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 #490348 2024-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.70% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 45.9% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -3
81
Sub-score

Liquidity is strong: brokered 8.0%, loans/deposits 94.8%, cash 9.4% of assets.

Cash / Assets
9.41%
Loans / Deposits
94.83%
Brokered %
7.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.11%
No watch items at this period.

Capitalization

StableQoQ 0
78
Sub-score

Capital position is stable: Tier 1 RBC 11.41%, CET1 11.41%, leverage 9.70%.

Tier 1 RBC
11.41%
CET1
11.41%
Leverage
9.70%
No watch items at this period.

Asset Quality

StableQoQ +3
61
Sub-score

Asset quality is stable: Adjusted NPL 3.70%, Texas Ratio 28.1%, NCO YTD 0.00%.

Adjusted NPL
3.70%
Govt-guarantees stripped
Texas Ratio
28.1%
NCO YTD
0.00%
30-89 PD
1.79%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.70% (govt-guarantees stripped).

Reserves

WatchQoQ -2
41
Sub-score

Reserves are deteriorating: ALLL 1.67% of loans, coverage 45.9%, true coverage 45.9%.

ALLL / Loans
1.67%
Coverage
45.9%
True Loss Coverage
45.9%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.9% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.9% (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