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First State Bank Of Le Center

IDRSSD: 986159
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2024-Q4QoQ -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-Q4

Bank #986159 2024-Q4 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ -4
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.5%, cash 4.7% of assets.

Cash / Assets
4.73%
Loans / Deposits
75.49%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.48%
No watch items at this period.

Capitalization

StrongQoQ +2
100
Sub-score

Capital position is strong: Tier 1 RBC 15.41%, CET1 15.41%, leverage 11.03%.

Tier 1 RBC
15.41%
CET1
15.41%
Leverage
11.03%
No watch items at this period.

Asset Quality

StrongQoQ -6
87
Sub-score

Asset quality is strong: Adjusted NPL 0.50%, Texas Ratio 2.6%, NCO YTD 0.14%.

Adjusted NPL
0.50%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.14%
30-89 PD
1.70%
Band 0.3% / 3.0%
90+ PD
0.48%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
92
Sub-score

Reserves are strong: ALLL 1.26% of loans, coverage 256.0%, true coverage 250.0%.

ALLL / Loans
1.26%
Coverage
256.0%
True Loss Coverage
250.0%
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 23:15:43 UTC