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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q4QoQ -18

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

Quarterly Headline

2025-Q4

Bank #969059 2025-Q4 Vital Signs Score: 70/100 — 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 14.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.75%.

What changed this quarter

Compared to Q3 2025:
↓ -18 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -43
  • Reserves
    ↓ -51

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.3%, cash 20.2% of assets.

Cash / Assets
20.20%
Loans / Deposits
48.31%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.90%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 36.42%, CET1 36.42%, leverage 13.53%.

Tier 1 RBC
36.42%
CET1
36.42%
Leverage
13.53%
No watch items at this period.

Asset Quality

WatchQoQ -43
40
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.76%, Texas Ratio 11.7%, NCO YTD 1.83%.

Adjusted NPL
3.76%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
1.83%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
3.75%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.76% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.75%.
  • watchNet charge-offs elevated — NCO YTD 1.83% of loans.

Reserves

RiskQoQ -51
2
Sub-score

Reserves are weak: ALLL 0.55% of loans, coverage 14.7%, true coverage 14.7%.

ALLL / Loans
0.55%
Coverage
14.7%
True Loss Coverage
14.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.55% of loans.

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