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First Service Bank

IDRSSD: 458544
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
66
/ 100
StableAs of 2024-Q1QoQ -9

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 #458544 2024-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 2.00% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -9 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -45

The five pillars

Liquidity

WatchQoQ -2
57
Sub-score

Liquidity is deteriorating: brokered 18.0%, loans/deposits 96.0%, cash 2.0% of assets.

Cash / Assets
2.00%
Loans / Deposits
95.96%
Brokered %
17.96%

Watch Items

  • watchCash / Assets below 3% — Cash 2.00% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.29%
No watch items at this period.

Capitalization

WatchQoQ -4
42
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.00%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.00%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -5
87
Sub-score

Asset quality is strong: Adjusted NPL 1.84%, Texas Ratio 15.8%, NCO YTD -0.03%.

Adjusted NPL
1.84%
Govt-guarantees stripped
Texas Ratio
15.8%
NCO YTD
-0.03%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -45
48
Sub-score

Reserves are deteriorating: ALLL 1.28% of loans, coverage 70.6%, true coverage 67.4%.

ALLL / Loans
1.28%
Coverage
70.6%
True Loss Coverage
67.4%
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: 2026-05-14 02:35:34 UTC