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Vermont State Bank

IDRSSD: 187648
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
75
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #187648 2024-Q2 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. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.87% (govt-guarantees stripped).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.4% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 39.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ +3
96
Sub-score

Liquidity is strong: brokered 2.1%, loans/deposits 75.0%, cash 28.8% of assets.

Cash / Assets
28.79%
Loans / Deposits
74.96%
Brokered %
2.12%
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 39.59%, CET1 39.59%, leverage 22.62%.

Tier 1 RBC
39.59%
CET1
39.59%
Leverage
22.62%
No watch items at this period.

Asset Quality

WatchQoQ -5
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 10.87%, Texas Ratio 24.3%, NCO YTD 0.51%.

Adjusted NPL
10.87%
Govt-guarantees stripped
Texas Ratio
24.3%
NCO YTD
0.51%
30-89 PD
4.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.87% (govt-guarantees stripped).

Reserves

RiskQoQ -13
34
Sub-score

Reserves are weak: ALLL 4.13% of loans, coverage 39.6%, true coverage 30.4%.

ALLL / Loans
4.13%
Coverage
39.6%
True Loss Coverage
30.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.4% (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 02:45:28 UTC