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First State Bank Of Olmsted

IDRSSD: 413347
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 -12

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 #413347 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:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.68%.

What changed this quarter

Compared to Q2 2024:
↓ -12 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -27
  • Reserves
    ↓ -35

The five pillars

Liquidity

StrongQoQ 0
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 63.5%, cash 5.3% of assets.

Cash / Assets
5.34%
Loans / Deposits
63.49%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.80%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.23%, CET1 19.23%, leverage 10.63%.

Tier 1 RBC
19.23%
CET1
19.23%
Leverage
10.63%
No watch items at this period.

Asset Quality

StableQoQ -27
63
Sub-score

Asset quality is stable: Adjusted NPL 1.79%, Texas Ratio 9.0%, NCO YTD 0.00%.

Adjusted NPL
1.79%
Govt-guarantees stripped
Texas Ratio
9.0%
NCO YTD
0.00%
30-89 PD
2.21%
Band 0.3% / 3.0%
90+ PD
1.68%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.68%.

Reserves

RiskQoQ -35
36
Sub-score

Reserves are weak: ALLL 1.08% of loans, coverage 60.7%, true coverage 60.7%.

ALLL / Loans
1.08%
Coverage
60.7%
True Loss Coverage
60.7%
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: 2026-05-12 01:13:39 UTC