Visbanking Logo
Skip to main content

First State Bank Of Forrest

IDRSSD: 980438
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
69
/ 100
StableAs of 2024-Q3QoQ 0

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 #980438 2024-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.8% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ -1
69
Sub-score

Liquidity is stable: brokered 4.0%, loans/deposits 102.8%, cash 4.8% of assets.

Cash / Assets
4.82%
Loans / Deposits
102.80%
Brokered %
3.97%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.04%
No watch items at this period.

Capitalization

StableQoQ -2
63
Sub-score

Capital position is stable: Tier 1 RBC 11.06%, CET1 11.06%, leverage 8.72%.

Tier 1 RBC
11.06%
CET1
11.06%
Leverage
8.72%
No watch items at this period.

Asset Quality

StrongQoQ -1
80
Sub-score

Asset quality is strong: Adjusted NPL 1.63%, Texas Ratio 14.5%, NCO YTD 0.06%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
14.5%
NCO YTD
0.06%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
0.61%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +6
31
Sub-score

Reserves are weak: ALLL 0.95% of loans, coverage 59.1%, true coverage 59.1%.

ALLL / Loans
0.95%
Coverage
59.1%
True Loss Coverage
59.1%
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 10:56:27 UTC