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First Security Bank

IDRSSD: 718145
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-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

2025-Q1

Bank #718145 2025-Q1 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.24% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 1.2%, loans/deposits 62.2%, cash 2.2% of assets.

Cash / Assets
2.24%
Loans / Deposits
62.21%
Brokered %
1.18%

Watch Items

  • infoCash / Assets below 3% — Cash 2.24% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.46%
No watch items at this period.

Capitalization

StrongQoQ -1
92
Sub-score

Capital position is strong: Tier 1 RBC 13.82%, CET1 13.82%, leverage 8.93%.

Tier 1 RBC
13.82%
CET1
13.82%
Leverage
8.93%
No watch items at this period.

Asset Quality

StrongQoQ +7
91
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 3.0%, NCO YTD 0.06%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.06%
30-89 PD
1.69%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
95
Sub-score

Reserves are strong: ALLL 1.35% of loans, coverage 266.7%, true coverage 266.7%.

ALLL / Loans
1.35%
Coverage
266.7%
True Loss Coverage
266.7%
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: 2026-05-12 16:59:18 UTC