Visbanking Logo
Skip to main content

The Tampa State Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ +5

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

Quarterly Headline

2024-Q1

Bank #358756 2024-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.6% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.49% (govt-guarantees stripped).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.69% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +18
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -5
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.8%, cash 2.7% of assets.

Cash / Assets
2.69%
Loans / Deposits
67.80%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.69% of assets (threshold 3%).

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

StrongQoQ +18
95
Sub-score

Capital position is strong: Tier 1 RBC 14.79%, CET1 14.79%, leverage 9.08%.

Tier 1 RBC
14.79%
CET1
14.79%
Leverage
9.08%
No watch items at this period.

Asset Quality

WatchQoQ +6
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.49%, Texas Ratio 17.4%, NCO YTD 1.09%.

Adjusted NPL
3.49%
Govt-guarantees stripped
Texas Ratio
17.4%
NCO YTD
1.09%
30-89 PD
1.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.49% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.09% of loans.

Reserves

RiskQoQ -2
35
Sub-score

Reserves are weak: ALLL 1.98% of loans, coverage 57.9%, true coverage 29.6%.

ALLL / Loans
1.98%
Coverage
57.9%
True Loss Coverage
29.6%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.6% (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