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First Secure State Bank

IDRSSD: 285348
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
81
/ 100
StrongAs of 2024-Q3QoQ -11

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 #285348 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↓ -11 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -28

The five pillars

Liquidity

StrongQoQ -1
99
Sub-score

Liquidity is strong: brokered 1.1%, loans/deposits 71.3%, cash 11.3% of assets.

Cash / Assets
11.29%
Loans / Deposits
71.32%
Brokered %
1.11%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.52%, CET1 17.52%, leverage 11.77%.

Tier 1 RBC
17.52%
CET1
17.52%
Leverage
11.77%
No watch items at this period.

Asset Quality

StableQoQ -25
68
Sub-score

Asset quality is stable: Adjusted NPL 1.63%, Texas Ratio 8.0%, NCO YTD 0.00%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
0.00%
30-89 PD
5.33%
Band 0.3% / 3.0%
90+ PD
0.70%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -28
29
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 58.4%, true coverage 55.5%.

ALLL / Loans
0.94%
Coverage
58.4%
True Loss Coverage
55.5%
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: 2026-05-13 01:27:46 UTC