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First State Bank Of San Diego

IDRSSD: 578862
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
85
/ 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 #578862 2024-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.99%.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -6

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 27.7%, cash 22.2% of assets.

Cash / Assets
22.23%
Loans / Deposits
27.70%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.68%
No watch items at this period.

Capitalization

StrongQoQ 0
96
Sub-score

Capital position is strong: Tier 1 RBC 24.83%, CET1 24.83%, leverage 9.12%.

Tier 1 RBC
24.83%
CET1
24.83%
Leverage
9.12%
No watch items at this period.

Asset Quality

StableQoQ +8
65
Sub-score

Asset quality is stable: Adjusted NPL 2.00%, Texas Ratio 5.5%, NCO YTD 0.68%.

Adjusted NPL
2.00%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
0.68%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
1.99%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.99%.

Reserves

StableQoQ -6
63
Sub-score

Reserves are stable: ALLL 1.54% of loans, coverage 78.4%, true coverage 78.4%.

ALLL / Loans
1.54%
Coverage
78.4%
True Loss Coverage
78.4%
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: 2026-05-15 03:17:58 UTC