Visbanking Logo
Skip to main content

First State Bank Of Golva

IDRSSD: 931159
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
79
/ 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 #931159 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.7% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.76% (govt-guarantees stripped).

What changed this quarter

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

The five pillars

Liquidity

StrongQoQ +2
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.2%, cash 3.4% of assets.

Cash / Assets
3.45%
Loans / Deposits
45.16%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.58%
No watch items at this period.

Capitalization

StrongQoQ +1
98
Sub-score

Capital position is strong: Tier 1 RBC 16.07%, CET1 16.07%, leverage 9.58%.

Tier 1 RBC
16.07%
CET1
16.07%
Leverage
9.58%
No watch items at this period.

Asset Quality

StrongQoQ 0
80
Sub-score

Asset quality is strong: Adjusted NPL 2.76%, Texas Ratio 11.7%, NCO YTD 0.01%.

Adjusted NPL
2.76%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.01%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.76% (govt-guarantees stripped).

Reserves

RiskQoQ 0
14
Sub-score

Reserves are weak: ALLL 0.89% of loans, coverage 32.7%, true coverage 32.7%.

ALLL / Loans
0.89%
Coverage
32.7%
True Loss Coverage
32.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.7% (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: 2026-05-12 01:02:09 UTC