Visbanking Logo
Skip to main content

First Federal Savings And Loan Association Of Greene Co

IDRSSD: 624778
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
84
/ 100
StrongAs 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 #624778 2024-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.25% of loans.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.3% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ 0
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.7%, cash 12.3% of assets.

Cash / Assets
12.33%
Loans / Deposits
74.66%
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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 33.46%, CET1 33.46%, leverage 14.79%.

Tier 1 RBC
33.46%
CET1
33.46%
Leverage
14.79%
No watch items at this period.

Asset Quality

StrongQoQ -1
95
Sub-score

Asset quality is strong: Adjusted NPL 0.58%, Texas Ratio 2.5%, NCO YTD 0.02%.

Adjusted NPL
0.58%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.02%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -11
6
Sub-score

Reserves are weak: ALLL 0.25% of loans, coverage 42.3%, true coverage 42.3%.

ALLL / Loans
0.25%
Coverage
42.3%
True Loss Coverage
42.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.3% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.25% 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: 2026-05-13 06:36:47 UTC