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The Stock Exchange Bank Caldwell Kansas

IDRSSD: 671053
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
73
/ 100
StableAs of 2024-Q2QoQ -14

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 #671053 2024-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.87%.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.51% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -14 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -23
  • Reserves
    ↓ -49

The five pillars

Liquidity

StableQoQ -1
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 90.5%, cash 2.5% of assets.

Cash / Assets
2.51%
Loans / Deposits
90.51%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.51% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.85%
No watch items at this period.

Capitalization

StableQoQ -3
79
Sub-score

Capital position is stable: Tier 1 RBC 12.62%, CET1 12.62%, leverage 8.30%.

Tier 1 RBC
12.62%
CET1
12.62%
Leverage
8.30%
No watch items at this period.

Asset Quality

StableQoQ -23
69
Sub-score

Asset quality is stable: Adjusted NPL 1.96%, Texas Ratio 17.3%, NCO YTD 0.04%.

Adjusted NPL
1.96%
Govt-guarantees stripped
Texas Ratio
17.3%
NCO YTD
0.04%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
1.87%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.87%.

Reserves

WatchQoQ -49
41
Sub-score

Reserves are deteriorating: ALLL 1.20% of loans, coverage 61.9%, true coverage 61.9%.

ALLL / Loans
1.20%
Coverage
61.9%
True Loss Coverage
61.9%
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: 2026-05-12 15:57:04 UTC