Liquidity
StrongQoQ -2
91
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 69.7%, cash 5.8% of assets.
- Cash / Assets
- 5.85%
- Loans / Deposits
- 69.71%
- Brokered %
- 0.00%
No watch items at this period.
First Southern National Bank
IDRSSD: 702612
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 +2
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 #702612 2024-Q3 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Securities (strong).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2024:
↑ +2 ptscomposite
- Liquidity↓ -2
- Securities↓ -5
- Capitalization↑ +2
- Asset Quality↑ +3
- Reserves↑ +12
The five pillars
Securities
StrongQoQ -5
81
Sub-score
Securities profile is strong: securities 25.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 25.78%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +2
96
Sub-score
Capital position is strong: Tier 1 RBC 15.27%, CET1 15.27%, leverage 8.95%.
- Tier 1 RBC
- 15.27%
- CET1
- 15.27%
- Leverage
- 8.95%
No watch items at this period.
Asset Quality
StrongQoQ +3
95
Sub-score
Asset quality is strong: Adjusted NPL 0.75%, Texas Ratio 4.7%, NCO YTD 0.03%.
- Adjusted NPL
- 0.75%
- Texas Ratio
- 4.7%
- NCO YTD
- 0.03%
- 30-89 PD
- 0.71%
- 90+ PD
- 0.15%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +12
100
Sub-score
Reserves are strong: ALLL 1.49% of loans, coverage 201.9%, true coverage 174.6%.
- ALLL / Loans
- 1.49%
- Coverage
- 201.9%
- True Loss Coverage
- 174.6%
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.tsfor 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 04:17:22 UTC