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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
56
/ 100
WatchAs of 2024-Q3QoQ -18

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 #354851 2024-Q3 Vital Signs Score: 56/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.5% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.84% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -18 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -39
  • Reserves
    ↓ -63

The five pillars

Liquidity

StableQoQ +6
69
Sub-score

Liquidity is stable: brokered 29.3%, loans/deposits 93.0%, cash 13.5% of assets.

Cash / Assets
13.54%
Loans / Deposits
92.97%
Brokered %
29.27%
No watch items at this period.

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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.26%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.26%

Watch Items

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

Asset Quality

RiskQoQ -39
38
Sub-score

Asset quality is weak: Adjusted NPL 11.84%, Texas Ratio 74.6%, NCO YTD -0.44%.

Adjusted NPL
11.84%
Govt-guarantees stripped
Texas Ratio
74.6%
NCO YTD
-0.44%
30-89 PD
4.78%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.84% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 74.6% (industry watch band 50% / risk band 100%).

Reserves

RiskQoQ -63
33
Sub-score

Reserves are weak: ALLL 2.70% of loans, coverage 23.5%, true coverage 21.0%.

ALLL / Loans
2.70%
Coverage
23.5%
True Loss Coverage
21.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.0% (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: 2026-05-14 15:01:21 UTC