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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #969059 2024-Q1 Vital Signs Score: 90/100 — 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 3.24% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -3
  • Capitalization
    — —
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +7

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 36.6%, cash 21.2% of assets.

Cash / Assets
21.22%
Loans / Deposits
36.62%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -3
97
Sub-score

Securities profile is strong: securities 21.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.02%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.66%, CET1 28.66%, leverage 11.49%.

Tier 1 RBC
28.66%
CET1
28.66%
Leverage
11.49%
No watch items at this period.

Asset Quality

StableQoQ +8
77
Sub-score

Asset quality is stable: Adjusted NPL 3.24%, Texas Ratio 8.7%, NCO YTD -0.30%.

Adjusted NPL
3.24%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
-0.30%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.24% (govt-guarantees stripped).

Reserves

StableQoQ +7
74
Sub-score

Reserves are stable: ALLL 2.97% of loans, coverage 94.4%, true coverage 94.4%.

ALLL / Loans
2.97%
Coverage
94.4%
True Loss Coverage
94.4%
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 01:03:06 UTC