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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-Q2

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

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #22552 2024-Q2 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.4% (threshold 100%).
  2. info
    FHLB advances elevated
    Liquidity — FHLB advances 11.7% (threshold 10%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.51% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -8
46
Sub-score

Liquidity is deteriorating: brokered 7.7%, loans/deposits 102.4%, cash 2.5% of assets.

Cash / Assets
2.51%
Loans / Deposits
102.37%
Brokered %
7.72%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.4% (threshold 100%).
  • infoFHLB advances elevated — FHLB advances 11.7% (threshold 10%).
  • infoCash / Assets below 3% — Cash 2.51% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.86%
No watch items at this period.

Capitalization

RiskQoQ -7
38
Sub-score

Capital position is weak: Tier 1 RBC 9.26%, CET1 9.26%, leverage 7.36%.

Tier 1 RBC
9.26%
CET1
9.26%
Leverage
7.36%
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
0.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
68
Sub-score

Reserves are stable: ALLL 0.86% of loans, true coverage 237.5%.

ALLL / Loans
0.86%
Coverage
—
True Loss Coverage
237.5%
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 01:24:07 UTC