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The Tampa State Bank

IDRSSD: 358756
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2023-Q4QoQ -13

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

Quarterly Headline

2023-Q4

Bank #358756 2023-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.03% of loans.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.4% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.72% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -13 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +19
  • Asset Quality
    ↓ -49
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.6%, cash 5.2% of assets.

Cash / Assets
5.16%
Loans / Deposits
67.63%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +19
77
Sub-score

Capital position is stable: Tier 1 RBC 11.67%, CET1 11.67%, leverage 9.05%.

Tier 1 RBC
11.67%
CET1
11.67%
Leverage
9.05%
No watch items at this period.

Asset Quality

WatchQoQ -49
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.72%, Texas Ratio 18.5%, NCO YTD 4.03%.

Adjusted NPL
3.72%
Govt-guarantees stripped
Texas Ratio
18.5%
NCO YTD
4.03%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.47%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.72% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.03% of loans.

Reserves

Risk
37
Sub-score

Reserves are weak: ALLL 2.23% of loans, coverage 61.3%, true coverage 32.4%.

ALLL / Loans
2.23%
Coverage
61.3%
True Loss Coverage
32.4%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.4% (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: 2026-05-15 05:39:44 UTC