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Vermont State Bank

IDRSSD: 187648
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
76
/ 100
StableAs of 2023-Q4QoQ -23

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 #187648 2023-Q4 Vital Signs Score: 76/100 — 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. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 8.29% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -23 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -52
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -5
93
Sub-score

Liquidity is strong: brokered 2.2%, loans/deposits 81.2%, cash 27.9% of assets.

Cash / Assets
27.92%
Loans / Deposits
81.24%
Brokered %
2.21%
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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 40.76%, CET1 40.76%, leverage 22.36%.

Tier 1 RBC
40.76%
CET1
40.76%
Leverage
22.36%
No watch items at this period.

Asset Quality

WatchQoQ -52
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 8.29%, Texas Ratio 19.3%, NCO YTD -3.09%.

Adjusted NPL
8.29%
Govt-guarantees stripped
Texas Ratio
19.3%
NCO YTD
-3.09%
30-89 PD
5.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.29% (govt-guarantees stripped).

Reserves

Risk
38
Sub-score

Reserves are weak: ALLL 4.11% of loans, coverage 51.7%, true coverage 39.7%.

ALLL / Loans
4.11%
Coverage
51.7%
True Loss Coverage
39.7%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.7% (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 02:45:28 UTC