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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #22552 2024-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.8% (threshold 100%).
  2. watch
    FHLB advances elevated
    Liquidity — FHLB advances 16.7% (threshold 10%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.85% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

RiskQoQ -15
38
Sub-score

Liquidity is weak: brokered 9.7%, loans/deposits 110.8%, cash 2.8% of assets.

Cash / Assets
2.85%
Loans / Deposits
110.78%
Brokered %
9.75%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.8% (threshold 100%).
  • watchFHLB advances elevated — FHLB advances 16.7% (threshold 10%).
  • infoCash / Assets below 3% — Cash 2.85% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.78%
No watch items at this period.

Capitalization

RiskQoQ -6
31
Sub-score

Capital position is weak: Tier 1 RBC 8.64%, CET1 8.64%, leverage 7.31%.

Tier 1 RBC
8.64%
CET1
8.64%
Leverage
7.31%
No watch items at this period.

Asset Quality

StrongQoQ 0
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
0.31%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
68
Sub-score

Reserves are stable: ALLL 0.87% of loans, true coverage 562.9%.

ALLL / Loans
0.87%
Coverage
—
True Loss Coverage
562.9%
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