Visbanking Logo
Skip to main content

First State Bank Of Swanville

IDRSSD: 833851
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #833851 2025-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +10
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -3
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.2%, cash 17.2% of assets.

Cash / Assets
17.24%
Loans / Deposits
88.20%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.67%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 25.91%, CET1 25.91%, leverage 18.48%.

Tier 1 RBC
25.91%
CET1
25.91%
Leverage
18.48%
No watch items at this period.

Asset Quality

StrongQoQ +10
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -1
50
Sub-score

Reserves are deteriorating: ALLL 1.56% of loans, true coverage 21.1%.

ALLL / Loans
1.56%
Coverage
—
True Loss Coverage
21.1%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.1% (Adjusted NPL + Performing Mods denominator).

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 15:05:24 UTC