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First Southeast Bank

IDRSSD: 22552
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
72
/ 100
StableAs of 2024-Q1QoQ -6

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 #22552 2024-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.56% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -6 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    — —
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ -13
55
Sub-score

Liquidity is deteriorating: brokered 6.8%, loans/deposits 97.8%, cash 2.6% of assets.

Cash / Assets
2.56%
Loans / Deposits
97.82%
Brokered %
6.75%

Watch Items

  • infoCash / Assets below 3% — Cash 2.56% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.57%
No watch items at this period.

Capitalization

WatchQoQ -12
45
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.24%, CET1 9.24%, leverage 7.39%.

Tier 1 RBC
9.24%
CET1
9.24%
Leverage
7.39%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
69
Sub-score

Reserves are stable: ALLL 0.87% of loans, true coverage 229.8%.

ALLL / Loans
0.87%
Coverage
—
True Loss Coverage
229.8%
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 01:24:07 UTC