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First Southern Bank

IDRSSD: 631039
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2024-Q3QoQ +17

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

Quarterly Headline

2024-Q3

Bank #631039 2024-Q3 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↑ +17 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    ↓ -1
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +36
  • Reserves
    ↑ +65

The five pillars

Liquidity

StrongQoQ -10
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 71.7%, cash 5.9% of assets.

Cash / Assets
5.92%
Loans / Deposits
71.72%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -1
93
Sub-score

Securities profile is strong: securities 22.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.99%
No watch items at this period.

Capitalization

StrongQoQ +1
96
Sub-score

Capital position is strong: Tier 1 RBC 14.04%, CET1 14.04%, leverage 10.02%.

Tier 1 RBC
14.04%
CET1
14.04%
Leverage
10.02%
No watch items at this period.

Asset Quality

StrongQoQ +36
100
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.2%, NCO YTD 0.00%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +65
80
Sub-score

Reserves are stable: ALLL 0.90% of loans, coverage 3086.4%, true coverage 3086.4%.

ALLL / Loans
0.90%
Coverage
3086.4%
True Loss Coverage
3086.4%
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: 2026-05-12 00:45:27 UTC