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Tompkins State Bank

IDRSSD: 609832
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
85
/ 100
StrongAs of 2024-Q3QoQ -2

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 #609832 2024-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.55% of loans.
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.34% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.67% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ +4
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.0%, cash 2.7% of assets.

Cash / Assets
2.67%
Loans / Deposits
59.96%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.67% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.63%
No watch items at this period.

Capitalization

StrongQoQ -5
87
Sub-score

Capital position is strong: Tier 1 RBC 13.32%, CET1 13.32%, leverage 9.32%.

Tier 1 RBC
13.32%
CET1
13.32%
Leverage
9.32%
No watch items at this period.

Asset Quality

StrongQoQ -13
84
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 0.8%, NCO YTD 1.34%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
1.34%
30-89 PD
1.15%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.34% of loans.

Reserves

StableQoQ +10
68
Sub-score

Reserves are stable: ALLL 0.55% of loans, coverage 391.7%, true coverage 351.0%.

ALLL / Loans
0.55%
Coverage
391.7%
True Loss Coverage
351.0%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.55% of loans.

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 08:35:54 UTC