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First State Bank

IDRSSD: 603755
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
88
/ 100
StrongAs of 2024-Q2QoQ -9

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 #603755 2024-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.68% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -27

The five pillars

Liquidity

StrongQoQ -6
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 38.3%, cash 7.4% of assets.

Cash / Assets
7.42%
Loans / Deposits
38.34%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.49%
No watch items at this period.

Capitalization

StrongQoQ +5
95
Sub-score

Capital position is strong: Tier 1 RBC 19.45%, CET1 19.45%, leverage 8.88%.

Tier 1 RBC
19.45%
CET1
19.45%
Leverage
8.88%
No watch items at this period.

Asset Quality

StableQoQ -19
77
Sub-score

Asset quality is stable: Adjusted NPL 2.68%, Texas Ratio 9.2%, NCO YTD 0.04%.

Adjusted NPL
2.68%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
0.04%
30-89 PD
1.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.68% (govt-guarantees stripped).

Reserves

StableQoQ -27
73
Sub-score

Reserves are stable: ALLL 2.44% of loans, coverage 93.1%, true coverage 93.1%.

ALLL / Loans
2.44%
Coverage
93.1%
True Loss Coverage
93.1%
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 02:49:51 UTC