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First State Bank Of Golva

IDRSSD: 931159
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2026-Q1QoQ -2

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

Quarterly Headline

2026-Q1

Bank #931159 2026-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.7% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.7% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.83% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -4
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.1%, cash 1.8% of assets.

Cash / Assets
1.83%
Loans / Deposits
39.11%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.83% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.35%
No watch items at this period.

Capitalization

StrongQoQ -1
98
Sub-score

Capital position is strong: Tier 1 RBC 15.37%, CET1 15.37%, leverage 9.48%.

Tier 1 RBC
15.37%
CET1
15.37%
Leverage
9.48%
No watch items at this period.

Asset Quality

StableQoQ -3
76
Sub-score

Asset quality is stable: Adjusted NPL 3.06%, Texas Ratio 11.4%, NCO YTD 0.00%.

Adjusted NPL
3.06%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.00%
30-89 PD
0.67%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.06% (govt-guarantees stripped).

Reserves

RiskQoQ +1
15
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 30.7%, true coverage 30.7%.

ALLL / Loans
0.93%
Coverage
30.7%
True Loss Coverage
30.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.7% (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