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First Keystone Community Bank

IDRSSD: 790918
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
82
/ 100
StrongAs of 2024-Q3QoQ -1

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 #790918 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.67% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ +2
67
Sub-score

Liquidity is stable: brokered 6.8%, loans/deposits 90.3%, cash 1.7% of assets.

Cash / Assets
1.67%
Loans / Deposits
90.32%
Brokered %
6.84%

Watch Items

  • watchCash / Assets below 3% — Cash 1.67% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.51%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.81%, CET1 14.81%, leverage 10.26%.

Tier 1 RBC
14.81%
CET1
14.81%
Leverage
10.26%
No watch items at this period.

Asset Quality

StrongQoQ -3
92
Sub-score

Asset quality is strong: Adjusted NPL 0.56%, Texas Ratio 3.3%, NCO YTD 0.32%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
0.32%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -4
42
Sub-score

Reserves are deteriorating: ALLL 0.82% of loans, coverage 146.2%, true coverage 51.8%.

ALLL / Loans
0.82%
Coverage
146.2%
True Loss Coverage
51.8%
No watch items at this period.

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 14:05:40 UTC