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First Security Bank Of Roundup

IDRSSD: 625056
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2023-Q4QoQ -16

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

Quarterly Headline

2023-Q4

Bank #625056 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.98% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.19%.
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -16 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -29
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 31.1%, cash 16.7% of assets.

Cash / Assets
16.73%
Loans / Deposits
31.05%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.83%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.98%, CET1 24.98%, leverage 11.13%.

Tier 1 RBC
24.98%
CET1
24.98%
Leverage
11.13%
No watch items at this period.

Asset Quality

WatchQoQ -29
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.98%, Texas Ratio 16.4%, NCO YTD 0.17%.

Adjusted NPL
6.98%
Govt-guarantees stripped
Texas Ratio
16.4%
NCO YTD
0.17%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
3.19%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.98% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.19%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.37% of loans, coverage 34.8%, true coverage 26.7%.

ALLL / Loans
2.37%
Coverage
34.8%
True Loss Coverage
26.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.7% (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 08:57:15 UTC