Visbanking Logo
Skip to main content

First Security Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #718145 2025-Q2 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 2.58% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 1.2%, loans/deposits 66.9%, cash 2.6% of assets.

Cash / Assets
2.58%
Loans / Deposits
66.85%
Brokered %
1.23%

Watch Items

  • infoCash / Assets below 3% — Cash 2.58% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.33%
No watch items at this period.

Capitalization

StrongQoQ +2
94
Sub-score

Capital position is strong: Tier 1 RBC 14.02%, CET1 14.02%, leverage 9.13%.

Tier 1 RBC
14.02%
CET1
14.02%
Leverage
9.13%
No watch items at this period.

Asset Quality

StrongQoQ +2
93
Sub-score

Asset quality is strong: Adjusted NPL 0.85%, Texas Ratio 5.1%, NCO YTD -0.04%.

Adjusted NPL
0.85%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
-0.04%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -8
87
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 162.4%, true coverage 162.4%.

ALLL / Loans
1.37%
Coverage
162.4%
True Loss Coverage
162.4%
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