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First State Bank Of Dekalb County

IDRSSD: 504535
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2023-Q4QoQ -18

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

Quarterly Headline

2023-Q4

Bank #504535 2023-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.12% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -18 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -31
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.2%, cash 10.5% of assets.

Cash / Assets
10.46%
Loans / Deposits
60.17%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.18%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.49%, CET1 15.49%, leverage 10.63%.

Tier 1 RBC
15.49%
CET1
15.49%
Leverage
10.63%
No watch items at this period.

Asset Quality

StableQoQ -31
64
Sub-score

Asset quality is stable: Adjusted NPL 2.12%, Texas Ratio 10.2%, NCO YTD 0.85%.

Adjusted NPL
2.12%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.85%
30-89 PD
2.19%
Band 0.3% / 3.0%
90+ PD
0.53%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.12% (govt-guarantees stripped).

Reserves

Risk
31
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 52.3%, true coverage 52.3%.

ALLL / Loans
1.10%
Coverage
52.3%
True Loss Coverage
52.3%
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: 2026-05-13 01:44:46 UTC