Visbanking Logo
Skip to main content

First Savings Bank Of Hegewisch

IDRSSD: 483274
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
73
/ 100
StableAs of 2024-Q3QoQ -13

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 #483274 2024-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.54% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -13 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ 0
  • Capitalization
    ↓ -50
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.1%, cash 11.4% of assets.

Cash / Assets
11.40%
Loans / Deposits
55.14%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ 0
37
Sub-score

Securities profile is weak: securities 38.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
38.84%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.68%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.68%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.12%, Texas Ratio 0.4%, NCO YTD 0.00%.

Adjusted NPL
0.12%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.00%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
68
Sub-score

Reserves are stable: ALLL 0.54% of loans, coverage 446.9%, true coverage 396.5%.

ALLL / Loans
0.54%
Coverage
446.9%
True Loss Coverage
396.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.54% 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 08:25:57 UTC