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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2025-Q2QoQ -23

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #285348 2025-Q2 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.2% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.8% (regulatory soft-warning level 50%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2025:
↓ -23 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -34
  • Reserves
    ↓ -15

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.1%, cash 18.4% of assets.

Cash / Assets
18.39%
Loans / Deposits
67.12%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.21%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.55%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.55%

Watch Items

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

Asset Quality

RiskQoQ -34
31
Sub-score

Asset quality is weak: Adjusted NPL 5.14%, Texas Ratio 22.6%, NCO YTD 0.01%.

Adjusted NPL
5.14%
Govt-guarantees stripped
Texas Ratio
22.6%
NCO YTD
0.01%
30-89 PD
5.19%
Band 0.3% / 3.0%
90+ PD
3.76%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.14% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.76%.

Reserves

RiskQoQ -15
22
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 22.8%, true coverage 22.2%.

ALLL / Loans
1.16%
Coverage
22.8%
True Loss Coverage
22.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.2% (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: 2026-05-13 01:27:46 UTC