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First State Bank

IDRSSD: 497655
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q3QoQ 0

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

Quarterly Headline

2024-Q3

Bank #497655 2024-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 6.4%, cash 20.6% of assets.

Cash / Assets
20.56%
Loans / Deposits
6.35%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 71.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
71.63%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 55.35%, CET1 55.35%, leverage 12.21%.

Tier 1 RBC
55.35%
CET1
55.35%
Leverage
12.21%
No watch items at this period.

Asset Quality

StrongQoQ 0
94
Sub-score

Asset quality is strong: Adjusted NPL 0.66%, Texas Ratio 0.3%, NCO YTD -0.04%.

Adjusted NPL
0.66%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
-0.04%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.66%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 10.39% of loans, coverage 1764.7%, true coverage 1025.6%.

ALLL / Loans
10.39%
Coverage
1764.7%
True Loss Coverage
1025.6%
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 02:46:43 UTC