Visbanking Logo
Skip to main content

First Security Bank Of Roundup

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ -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-Q1

Bank #625056 2024-Q1 Vital Signs Score: 75/100 — 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. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.0% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.88% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 34.1%, cash 15.6% of assets.

Cash / Assets
15.61%
Loans / Deposits
34.13%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.79%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.99%, CET1 25.99%, leverage 11.76%.

Tier 1 RBC
25.99%
CET1
25.99%
Leverage
11.76%
No watch items at this period.

Asset Quality

WatchQoQ -4
41
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.88%, Texas Ratio 11.5%, NCO YTD 0.00%.

Adjusted NPL
4.88%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.00%
30-89 PD
2.85%
Band 0.3% / 3.0%
90+ PD
1.29%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.88% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.29%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.31% of loans, coverage 48.4%, true coverage 29.0%.

ALLL / Loans
2.31%
Coverage
48.4%
True Loss Coverage
29.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.0% (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