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First State Bank

IDRSSD: 603755
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2023-Q4QoQ -3

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

Quarterly Headline

2023-Q4

Bank #603755 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Securities (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↓ -4
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -22
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 39.8%, cash 7.4% of assets.

Cash / Assets
7.38%
Loans / Deposits
39.77%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -4
58
Sub-score

Securities profile is deteriorating: securities 32.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.66%
No watch items at this period.

Capitalization

StrongQoQ +3
92
Sub-score

Capital position is strong: Tier 1 RBC 21.43%, CET1 21.43%, leverage 8.51%.

Tier 1 RBC
21.43%
CET1
21.43%
Leverage
8.51%
No watch items at this period.

Asset Quality

StableQoQ -22
78
Sub-score

Asset quality is stable: Adjusted NPL 1.04%, Texas Ratio 4.2%, NCO YTD 0.18%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.18%
30-89 PD
3.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.17% of loans, coverage 213.2%, true coverage 213.2%.

ALLL / Loans
2.17%
Coverage
213.2%
True Loss Coverage
213.2%
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 02:49:51 UTC