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First State Bank Of The Southeast Inc

IDRSSD: 961811
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q2QoQ +2

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

Quarterly Headline

2024-Q2

Bank #961811 2024-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -13
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +25

The five pillars

Liquidity

StableQoQ +1
73
Sub-score

Liquidity is stable: brokered 6.1%, loans/deposits 97.2%, cash 5.9% of assets.

Cash / Assets
5.92%
Loans / Deposits
97.24%
Brokered %
6.08%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -13
63
Sub-score

Capital position is stable: Tier 1 RBC 10.81%, CET1 10.81%, leverage 9.02%.

Tier 1 RBC
10.81%
CET1
10.81%
Leverage
9.02%
No watch items at this period.

Asset Quality

StrongQoQ +7
96
Sub-score

Asset quality is strong: Adjusted NPL 0.91%, Texas Ratio 8.0%, NCO YTD 0.07%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
0.07%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +25
71
Sub-score

Reserves are stable: ALLL 1.13% of loans, coverage 126.1%, true coverage 126.1%.

ALLL / Loans
1.13%
Coverage
126.1%
True Loss Coverage
126.1%
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 09:17:05 UTC