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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
94
/ 100
StrongAs of 2024-Q2QoQ +4

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

Quarterly Headline

2024-Q2

Bank #969059 2024-Q2 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (strong).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.23% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +4 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ 0
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +17

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 38.9%, cash 19.5% of assets.

Cash / Assets
19.50%
Loans / Deposits
38.87%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ 0
97
Sub-score

Securities profile is strong: securities 21.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 28.66%, CET1 28.66%, leverage 10.69%.

Tier 1 RBC
28.66%
CET1
28.66%
Leverage
10.69%
No watch items at this period.

Asset Quality

StrongQoQ +7
83
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.1%, NCO YTD 4.23%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
4.23%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.23% of loans.

Reserves

StrongQoQ +17
91
Sub-score

Reserves are strong: ALLL 1.23% of loans, coverage 3762.5%, true coverage 3762.5%.

ALLL / Loans
1.23%
Coverage
3762.5%
True Loss Coverage
3762.5%
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