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Freeland State Bank

IDRSSD: 735049
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
72
/ 100
StableAs of 2023-Q4QoQ -19

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 #735049 2023-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 17.4% (Adjusted NPL + Performing Mods denominator).
  2. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    — —
  • Securities
    ↑ +11
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -18
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 5.0%, cash 37.2% of assets.

Cash / Assets
37.18%
Loans / Deposits
5.00%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ +11
58
Sub-score

Securities profile is deteriorating: securities 32.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.48%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 16.38%.

Tier 1 RBC
—
CET1
0.00%
Leverage
16.38%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -18
82
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 0.2%, NCO YTD -0.32%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
-0.32%
30-89 PD
3.54%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 1.68% of loans, coverage 285.7%, true coverage 17.4%.

ALLL / Loans
1.68%
Coverage
285.7%
True Loss Coverage
17.4%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 17.4% (Adjusted NPL + Performing Mods denominator).

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 08:11:54 UTC