Visbanking Logo
Skip to main content

Frost State Bank

IDRSSD: 943853
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
92
/ 100
StrongAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #943853 2024-Q2 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.0% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    — —
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -7
65
Sub-score

Liquidity is stable: brokered 14.0%, loans/deposits 106.0%, cash 6.7% of assets.

Cash / Assets
6.75%
Loans / Deposits
106.02%
Brokered %
14.01%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.47%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.76%, CET1 18.76%, leverage 17.19%.

Tier 1 RBC
18.76%
CET1
18.76%
Leverage
17.19%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 1.4%, NCO YTD -0.02%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
1.4%
NCO YTD
-0.02%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
91
Sub-score

Reserves are strong: ALLL 1.22% of loans, coverage 412.2%, true coverage 150.8%.

ALLL / Loans
1.22%
Coverage
412.2%
True Loss Coverage
150.8%
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: 2026-05-15 09:27:47 UTC