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First Security Bank Sleepy Eye

IDRSSD: 861658
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2026-Q1QoQ -4

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

Quarterly Headline

2026-Q1

Bank #861658 2026-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.05% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -7

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 26.5%, cash 48.2% of assets.

Cash / Assets
48.24%
Loans / Deposits
26.49%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +6
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 42.20%, CET1 42.20%, leverage 14.64%.

Tier 1 RBC
42.20%
CET1
42.20%
Leverage
14.64%
No watch items at this period.

Asset Quality

WatchQoQ -17
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.05%, Texas Ratio 9.3%, NCO YTD 0.04%.

Adjusted NPL
6.05%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.04%
30-89 PD
0.91%
Band 0.3% / 3.0%
90+ PD
2.38%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.05% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.38%.

Reserves

RiskQoQ -7
26
Sub-score

Reserves are weak: ALLL 1.27% of loans, coverage 21.3%, true coverage 21.3%.

ALLL / Loans
1.27%
Coverage
21.3%
True Loss Coverage
21.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.3% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 01:47:55 UTC