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First State Bank Of Beecher City

IDRSSD: 601041
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #601041 2024-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.85% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -3
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ 0
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.7%, cash 2.8% of assets.

Cash / Assets
2.85%
Loans / Deposits
85.74%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.85% of assets (threshold 3%).

Securities

StrongQoQ -3
95
Sub-score

Securities profile is strong: securities 21.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.57%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.93%, CET1 22.93%, leverage 15.48%.

Tier 1 RBC
22.93%
CET1
22.93%
Leverage
15.48%
No watch items at this period.

Asset Quality

StrongQoQ +2
92
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 3.3%, NCO YTD -0.03%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
3.3%
NCO YTD
-0.03%
30-89 PD
0.69%
Band 0.3% / 3.0%
90+ PD
0.38%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -6
80
Sub-score

Reserves are strong: ALLL 1.67% of loans, coverage 222.4%, true coverage 58.5%.

ALLL / Loans
1.67%
Coverage
222.4%
True Loss Coverage
58.5%
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: 2026-05-14 08:38:54 UTC