Visbanking Logo
Skip to main content

Security Bank Sb

IDRSSD: 218878
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
83
/ 100
StrongAs of 2024-Q2QoQ +2

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 #218878 2024-Q2 Vital Signs Score: 83/100 — 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. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.89% of loans.

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 4.9%, loans/deposits 52.0%, cash 24.2% of assets.

Cash / Assets
24.20%
Loans / Deposits
52.04%
Brokered %
4.88%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.26%
No watch items at this period.

Capitalization

StrongQoQ +4
93
Sub-score

Capital position is strong: Tier 1 RBC 16.17%, CET1 16.17%, leverage 8.27%.

Tier 1 RBC
16.17%
CET1
16.17%
Leverage
8.27%
No watch items at this period.

Asset Quality

StableQoQ +3
71
Sub-score

Asset quality is stable: Adjusted NPL 1.87%, Texas Ratio 10.6%, NCO YTD 2.89%.

Adjusted NPL
1.87%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
2.89%
30-89 PD
0.30%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.89% of loans.

Reserves

WatchQoQ -1
48
Sub-score

Reserves are deteriorating: ALLL 1.27% of loans, coverage 68.6%, true coverage 68.6%.

ALLL / Loans
1.27%
Coverage
68.6%
True Loss Coverage
68.6%
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