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First Security Bank

IDRSSD: 322551
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
87
/ 100
StrongAs of 2024-Q4QoQ -8

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 #322551 2024-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.02% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↓ -4
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ -1
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.6%, cash 8.2% of assets.

Cash / Assets
8.19%
Loans / Deposits
71.56%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -4
87
Sub-score

Securities profile is strong: securities 23.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.90%
No watch items at this period.

Capitalization

StrongQoQ -2
87
Sub-score

Capital position is strong: Tier 1 RBC 13.92%, CET1 13.92%, leverage 7.57%.

Tier 1 RBC
13.92%
CET1
13.92%
Leverage
7.57%
No watch items at this period.

Asset Quality

StableQoQ -21
79
Sub-score

Asset quality is stable: Adjusted NPL 0.11%, Texas Ratio 0.9%, NCO YTD 2.02%.

Adjusted NPL
0.11%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
2.02%
30-89 PD
0.98%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.02% of loans.

Reserves

StrongQoQ -10
90
Sub-score

Reserves are strong: ALLL 1.21% of loans, coverage 1117.1%, true coverage 520.5%.

ALLL / Loans
1.21%
Coverage
1117.1%
True Loss Coverage
520.5%
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 01:45:20 UTC