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Security Bank Sb

IDRSSD: 218878
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
81
/ 100
StrongAs of 2024-Q1QoQ 0

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 #218878 2024-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.45% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -3
97
Sub-score

Liquidity is strong: brokered 4.6%, loans/deposits 49.8%, cash 27.2% of assets.

Cash / Assets
27.16%
Loans / Deposits
49.84%
Brokered %
4.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.08%
No watch items at this period.

Capitalization

StrongQoQ -3
89
Sub-score

Capital position is strong: Tier 1 RBC 15.91%, CET1 15.91%, leverage 7.94%.

Tier 1 RBC
15.91%
CET1
15.91%
Leverage
7.94%
No watch items at this period.

Asset Quality

StableQoQ +1
69
Sub-score

Asset quality is stable: Adjusted NPL 3.45%, Texas Ratio 19.0%, NCO YTD -0.02%.

Adjusted NPL
3.45%
Govt-guarantees stripped
Texas Ratio
19.0%
NCO YTD
-0.02%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.45% (govt-guarantees stripped).

Reserves

WatchQoQ +5
50
Sub-score

Reserves are deteriorating: ALLL 2.01% of loans, coverage 59.5%, true coverage 59.5%.

ALLL / Loans
2.01%
Coverage
59.5%
True Loss Coverage
59.5%
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: 2026-05-13 04:59:57 UTC