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First Southern Bank

IDRSSD: 66275
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #66275 2025-Q4 Vital Signs Score: 61/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.04% (govt-guarantees stripped).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 25.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +9

The five pillars

Liquidity

StrongQoQ +5
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.3%, cash 20.5% of assets.

Cash / Assets
20.54%
Loans / Deposits
80.25%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.13%
No watch items at this period.

Capitalization

WatchQoQ 0
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.97%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.97%

Watch Items

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

Asset Quality

RiskQoQ -3
40
Sub-score

Asset quality is weak: Adjusted NPL 6.04%, Texas Ratio 39.0%, NCO YTD 1.35%.

Adjusted NPL
6.04%
Govt-guarantees stripped
Texas Ratio
39.0%
NCO YTD
1.35%
30-89 PD
2.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.04% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.35% of loans.

Reserves

RiskQoQ +9
33
Sub-score

Reserves are weak: ALLL 1.59% of loans, coverage 26.8%, true coverage 25.2%.

ALLL / Loans
1.59%
Coverage
26.8%
True Loss Coverage
25.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 25.2% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 07:31:02 UTC