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Security Bank Minnesota

IDRSSD: 295057
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q1QoQ -11

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

Quarterly Headline

2024-Q1

Bank #295057 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.62% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.18% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -16
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ -2
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 96.2%, cash 1.6% of assets.

Cash / Assets
1.62%
Loans / Deposits
96.25%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.62% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.19%
No watch items at this period.

Capitalization

StableQoQ -16
72
Sub-score

Capital position is stable: Tier 1 RBC 10.85%, CET1 10.85%, leverage 9.50%.

Tier 1 RBC
10.85%
CET1
10.85%
Leverage
9.50%
No watch items at this period.

Asset Quality

StableQoQ -19
72
Sub-score

Asset quality is stable: Adjusted NPL 0.83%, Texas Ratio 6.5%, NCO YTD 1.18%.

Adjusted NPL
0.83%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
1.18%
30-89 PD
2.85%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.18% of loans.

Reserves

StrongQoQ -13
87
Sub-score

Reserves are strong: ALLL 1.34% of loans, coverage 163.9%, true coverage 163.9%.

ALLL / Loans
1.34%
Coverage
163.9%
True Loss Coverage
163.9%
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 08:54:07 UTC