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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #504535 2024-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.06% (govt-guarantees stripped).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 40.7% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -2
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.0%, cash 8.0% of assets.

Cash / Assets
7.95%
Loans / Deposits
60.01%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.43%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.26%, CET1 20.26%, leverage 12.29%.

Tier 1 RBC
20.26%
CET1
20.26%
Leverage
12.29%
No watch items at this period.

Asset Quality

WatchQoQ -1
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.06%, Texas Ratio 12.2%, NCO YTD 0.22%.

Adjusted NPL
3.06%
Govt-guarantees stripped
Texas Ratio
12.2%
NCO YTD
0.22%
30-89 PD
3.24%
Band 0.3% / 3.0%
90+ PD
1.30%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.06% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.30%.

Reserves

RiskQoQ -3
29
Sub-score

Reserves are weak: ALLL 1.23% of loans, coverage 40.7%, true coverage 40.7%.

ALLL / Loans
1.23%
Coverage
40.7%
True Loss Coverage
40.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.7% (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 01:44:46 UTC