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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-Q4

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

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q4QoQ +4

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 #413347 2024-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +9

The five pillars

Liquidity

StrongQoQ +3
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 61.9%, cash 6.8% of assets.

Cash / Assets
6.76%
Loans / Deposits
61.91%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.35%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.45%, CET1 21.45%, leverage 11.93%.

Tier 1 RBC
21.45%
CET1
21.45%
Leverage
11.93%
No watch items at this period.

Asset Quality

StableQoQ +7
70
Sub-score

Asset quality is stable: Adjusted NPL 1.46%, Texas Ratio 6.4%, NCO YTD 0.00%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.00%
30-89 PD
2.72%
Band 0.3% / 3.0%
90+ PD
0.82%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +9
45
Sub-score

Reserves are deteriorating: ALLL 1.11% of loans, coverage 76.6%, true coverage 69.8%.

ALLL / Loans
1.11%
Coverage
76.6%
True Loss Coverage
69.8%
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