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First State Bank Southwest

IDRSSD: 823656
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-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

2024-Q4

Bank #823656 2024-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (strong).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.51% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.14% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -7

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.6%, cash 2.5% of assets.

Cash / Assets
2.51%
Loans / Deposits
59.57%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.51% of assets (threshold 3%).

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

StrongQoQ 0
97
Sub-score

Capital position is strong: Tier 1 RBC 16.17%, CET1 16.17%, leverage 9.26%.

Tier 1 RBC
16.17%
CET1
16.17%
Leverage
9.26%
No watch items at this period.

Asset Quality

StrongQoQ -10
90
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 2.6%, NCO YTD 1.14%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
1.14%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.14% of loans.

Reserves

StrongQoQ -7
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 207.6%, true coverage 207.6%.

ALLL / Loans
1.04%
Coverage
207.6%
True Loss Coverage
207.6%
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 01:05:44 UTC