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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-Q4

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

Synthesis

Vital Signs Score
71
/ 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 #295057 2024-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.1% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 39.3% (regulatory soft-warning level 50%).
  3. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.60% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ +2
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 93.6%, cash 9.0% of assets.

Cash / Assets
9.03%
Loans / Deposits
93.58%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.24%
No watch items at this period.

Capitalization

StableQoQ 0
78
Sub-score

Capital position is stable: Tier 1 RBC 11.90%, CET1 11.90%, leverage 10.02%.

Tier 1 RBC
11.90%
CET1
11.90%
Leverage
10.02%
No watch items at this period.

Asset Quality

StableQoQ +9
67
Sub-score

Asset quality is stable: Adjusted NPL 2.65%, Texas Ratio 19.5%, NCO YTD 1.60%.

Adjusted NPL
2.65%
Govt-guarantees stripped
Texas Ratio
19.5%
NCO YTD
1.60%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.65% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.60% of loans.

Reserves

RiskQoQ -11
21
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 39.3%, true coverage 37.1%.

ALLL / Loans
1.03%
Coverage
39.3%
True Loss Coverage
37.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.1% (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: 2026-05-14 08:54:07 UTC