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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
50
/ 100
WatchAs of 2025-Q1QoQ -6

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

Quarterly Headline

2025-Q1

Bank #354851 2025-Q1 Vital Signs Score: 50/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (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 18.3% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 20.1% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 14.77% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -23
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
71
Sub-score

Liquidity is stable: brokered 26.2%, loans/deposits 93.4%, cash 12.2% of assets.

Cash / Assets
12.18%
Loans / Deposits
93.43%
Brokered %
26.17%
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

WatchQoQ -3
47
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.68%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.68%

Watch Items

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

Asset Quality

RiskQoQ -23
18
Sub-score

Asset quality is weak: Adjusted NPL 14.77%, Texas Ratio 93.9%, NCO YTD -0.16%.

Adjusted NPL
14.77%
Govt-guarantees stripped
Texas Ratio
93.9%
NCO YTD
-0.16%
30-89 PD
3.05%
Band 0.3% / 3.0%
90+ PD
3.42%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 14.77% (govt-guarantees stripped).
  • watchTexas Ratio above 50% — Texas Ratio 93.9% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 3.42%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.88% of loans, coverage 20.1%, true coverage 18.3%.

ALLL / Loans
2.88%
Coverage
20.1%
True Loss Coverage
18.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.3% (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