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First Security Bank

IDRSSD: 109154
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q4QoQ +3

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

Quarterly Headline

2024-Q4

Bank #109154 2024-Q4 Vital Signs Score: 76/100 — 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 Q3 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ +1
58
Sub-score

Liquidity is deteriorating: brokered 25.8%, loans/deposits 99.3%, cash 5.2% of assets.

Cash / Assets
5.23%
Loans / Deposits
99.33%
Brokered %
25.78%
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
0.38%
No watch items at this period.

Capitalization

WatchQoQ +3
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.14%, CET1 10.14%, leverage 7.63%.

Tier 1 RBC
10.14%
CET1
10.14%
Leverage
7.63%
No watch items at this period.

Asset Quality

StrongQoQ +7
98
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 5.0%, NCO YTD 0.24%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.24%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
86
Sub-score

Reserves are strong: ALLL 1.07% of loans, coverage 200.3%, true coverage 200.3%.

ALLL / Loans
1.07%
Coverage
200.3%
True Loss Coverage
200.3%
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