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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #578862 2025-Q1 Vital Signs Score: 86/100 — 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

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

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +3

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 27.0%, cash 29.8% of assets.

Cash / Assets
29.84%
Loans / Deposits
27.04%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.54%
No watch items at this period.

Capitalization

StrongQoQ -3
93
Sub-score

Capital position is strong: Tier 1 RBC 23.48%, CET1 23.48%, leverage 8.34%.

Tier 1 RBC
23.48%
CET1
23.48%
Leverage
8.34%
No watch items at this period.

Asset Quality

StableQoQ +6
72
Sub-score

Asset quality is stable: Adjusted NPL 1.80%, Texas Ratio 5.1%, NCO YTD 0.00%.

Adjusted NPL
1.80%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.00%
30-89 PD
3.25%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
66
Sub-score

Reserves are stable: ALLL 1.49% of loans, coverage 83.9%, true coverage 83.9%.

ALLL / Loans
1.49%
Coverage
83.9%
True Loss Coverage
83.9%
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