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Security Bank And Trust Company

IDRSSD: 19356
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q4QoQ -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-Q4

Bank #19356 2024-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.74% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -7
62
Sub-score

Liquidity is stable: brokered 14.8%, loans/deposits 88.8%, cash 1.7% of assets.

Cash / Assets
1.74%
Loans / Deposits
88.76%
Brokered %
14.84%

Watch Items

  • watchCash / Assets below 3% — Cash 1.74% 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

WatchQoQ -2
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.16%, CET1 10.16%, leverage 8.27%.

Tier 1 RBC
10.16%
CET1
10.16%
Leverage
8.27%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.4%, NCO YTD 0.03%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.03%
30-89 PD
1.10%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
91
Sub-score

Reserves are strong: ALLL 1.23% of loans, coverage 2872.5%, true coverage 1118.3%.

ALLL / Loans
1.23%
Coverage
2872.5%
True Loss Coverage
1118.3%
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 01:14:23 UTC