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First Security Bank West

IDRSSD: 969059
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2023-Q4QoQ +1

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

Quarterly Headline

2023-Q4

Bank #969059 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.48% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +17
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.3%, cash 26.3% of assets.

Cash / Assets
26.32%
Loans / Deposits
39.29%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.32%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.67%, CET1 29.67%, leverage 12.96%.

Tier 1 RBC
29.67%
CET1
29.67%
Leverage
12.96%
No watch items at this period.

Asset Quality

StableQoQ +17
69
Sub-score

Asset quality is stable: Adjusted NPL 3.48%, Texas Ratio 8.8%, NCO YTD 0.82%.

Adjusted NPL
3.48%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
0.82%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.48% (govt-guarantees stripped).

Reserves

Stable
66
Sub-score

Reserves are stable: ALLL 2.83% of loans, coverage 83.7%, true coverage 83.7%.

ALLL / Loans
2.83%
Coverage
83.7%
True Loss Coverage
83.7%
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 01:03:06 UTC