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Flanagan State Bank

IDRSSD: 979133
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2026-Q1QoQ +2

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

Quarterly Headline

2026-Q1

Bank #979133 2026-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (strong).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.43% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +14
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +2
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.6%, cash 2.4% of assets.

Cash / Assets
2.43%
Loans / Deposits
62.55%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.43% 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 +14
85
Sub-score

Capital position is strong: Tier 1 RBC 13.22%, CET1 13.22%, leverage 8.85%.

Tier 1 RBC
13.22%
CET1
13.22%
Leverage
8.85%
No watch items at this period.

Asset Quality

StrongQoQ -7
89
Sub-score

Asset quality is strong: Adjusted NPL 0.15%, Texas Ratio 0.9%, NCO YTD 0.21%.

Adjusted NPL
0.15%
Govt-guarantees stripped
Texas Ratio
0.9%
NCO YTD
0.21%
30-89 PD
1.97%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
81
Sub-score

Reserves are strong: ALLL 0.94% of loans, coverage 643.4%, true coverage 166.8%.

ALLL / Loans
0.94%
Coverage
643.4%
True Loss Coverage
166.8%
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: 2026-05-14 11:09:48 UTC