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Freeport State Bank

IDRSSD: 72454
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
92
/ 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 #72454 2025-Q3 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↑ +8 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↑ +1
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +45

The five pillars

Liquidity

StrongQoQ -2
94
Sub-score

Liquidity is strong: brokered 0.3%, loans/deposits 70.4%, cash 7.6% of assets.

Cash / Assets
7.57%
Loans / Deposits
70.37%
Brokered %
0.32%
No watch items at this period.

Securities

StrongQoQ +1
89
Sub-score

Securities profile is strong: securities 23.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.30%
No watch items at this period.

Capitalization

StrongQoQ +2
98
Sub-score

Capital position is strong: Tier 1 RBC 14.71%, CET1 14.71%, leverage 9.85%.

Tier 1 RBC
14.71%
CET1
14.71%
Leverage
9.85%
No watch items at this period.

Asset Quality

StrongQoQ +4
95
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.3%, NCO YTD 0.00%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.00%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +45
78
Sub-score

Reserves are stable: ALLL 0.84% of loans, coverage 1925.0%, true coverage 1925.0%.

ALLL / Loans
0.84%
Coverage
1925.0%
True Loss Coverage
1925.0%
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: 2026-05-14 15:04:24 UTC