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First Southern Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2026-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

2026-Q1

Bank #66275 2026-Q1 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.6% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.1% (regulatory soft-warning level 50%).
  3. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 9.60% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 79.3%, cash 15.9% of assets.

Cash / Assets
15.92%
Loans / Deposits
79.33%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.34%
No watch items at this period.

Capitalization

RiskQoQ -11
39
Sub-score

Capital position is weak: CET1 0.00%, leverage 8.66%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.66%

Watch Items

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

Asset Quality

RiskQoQ -15
25
Sub-score

Asset quality is weak: Adjusted NPL 8.73%, Texas Ratio 57.3%, NCO YTD 9.60%.

Adjusted NPL
8.73%
Govt-guarantees stripped
Texas Ratio
57.3%
NCO YTD
9.60%
30-89 PD
3.85%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 8.73% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 57.3% (industry watch band 50% / risk band 100%).
  • riskNet charge-offs elevated — NCO YTD 9.60% of loans.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 1.89% of loans, coverage 22.1%, true coverage 21.6%.

ALLL / Loans
1.89%
Coverage
22.1%
True Loss Coverage
21.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.6% (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