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The State Bank

IDRSSD: 602048
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
84
/ 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 #602048 2024-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ +8
84
Sub-score

Liquidity is strong: brokered 4.1%, loans/deposits 97.2%, cash 11.2% of assets.

Cash / Assets
11.17%
Loans / Deposits
97.20%
Brokered %
4.10%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.66%
No watch items at this period.

Capitalization

StableQoQ +2
72
Sub-score

Capital position is stable: Tier 1 RBC 11.72%, CET1 11.72%, leverage 8.97%.

Tier 1 RBC
11.72%
CET1
11.72%
Leverage
8.97%
No watch items at this period.

Asset Quality

StrongQoQ -3
94
Sub-score

Asset quality is strong: Adjusted NPL 0.72%, Texas Ratio 5.8%, NCO YTD 0.50%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.50%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -4
71
Sub-score

Reserves are stable: ALLL 1.02% of loans, coverage 143.8%, true coverage 132.9%.

ALLL / Loans
1.02%
Coverage
143.8%
True Loss Coverage
132.9%
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: 2026-05-15 07:52:18 UTC