Visbanking Logo
Skip to main content

First Security Bank

IDRSSD: 109154
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 -4

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 #109154 2024-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +5

The five pillars

Liquidity

WatchQoQ -8
57
Sub-score

Liquidity is deteriorating: brokered 26.9%, loans/deposits 95.3%, cash 4.3% of assets.

Cash / Assets
4.29%
Loans / Deposits
95.29%
Brokered %
26.86%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.40%
No watch items at this period.

Capitalization

WatchQoQ -4
46
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.89%, CET1 9.89%, leverage 7.54%.

Tier 1 RBC
9.89%
CET1
9.89%
Leverage
7.54%
No watch items at this period.

Asset Quality

StrongQoQ -7
90
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 4.2%, NCO YTD 0.70%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.70%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +5
86
Sub-score

Reserves are strong: ALLL 1.08% of loans, coverage 245.0%, true coverage 245.0%.

ALLL / Loans
1.08%
Coverage
245.0%
True Loss Coverage
245.0%
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: 2026-05-15 01:11:33 UTC