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The State Exchange Bank

IDRSSD: 354851
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #354851 2024-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 31.0% of deposits (threshold 30%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.4% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -16
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ -3
63
Sub-score

Liquidity is stable: brokered 31.0%, loans/deposits 100.4%, cash 9.3% of assets.

Cash / Assets
9.26%
Loans / Deposits
100.37%
Brokered %
30.99%

Watch Items

  • infoBrokered deposits above 30% — Brokered 31.0% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 100.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.60%
No watch items at this period.

Capitalization

WatchQoQ +1
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.44%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.44%

Watch Items

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

Asset Quality

StableQoQ -16
77
Sub-score

Asset quality is stable: Adjusted NPL 1.21%, Texas Ratio 8.0%, NCO YTD -0.07%.

Adjusted NPL
1.21%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
-0.07%
30-89 PD
11.43%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +8
96
Sub-score

Reserves are strong: ALLL 2.33% of loans, coverage 197.4%, true coverage 93.5%.

ALLL / Loans
2.33%
Coverage
197.4%
True Loss Coverage
93.5%
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: 2026-05-14 15:01:21 UTC