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Fnb South

IDRSSD: 12030
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q3QoQ -8

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

Quarterly Headline

2025-Q3

Bank #12030 2025-Q3 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.40% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    ↓ -6
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -11
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.6%, cash 5.4% of assets.

Cash / Assets
5.40%
Loans / Deposits
75.57%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -6
94
Sub-score

Securities profile is strong: securities 21.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.78%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.94%, CET1 22.94%, leverage 15.79%.

Tier 1 RBC
22.94%
CET1
22.94%
Leverage
15.79%
No watch items at this period.

Asset Quality

StableQoQ -20
79
Sub-score

Asset quality is stable: Adjusted NPL 0.06%, Texas Ratio 0.2%, NCO YTD 1.40%.

Adjusted NPL
0.06%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
1.40%
30-89 PD
1.94%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.40% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.71% of loans, coverage 4887.0%, true coverage 4887.0%.

ALLL / Loans
2.71%
Coverage
4887.0%
True Loss Coverage
4887.0%
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: 2026-05-12 16:37:28 UTC