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Security Financial Bank

IDRSSD: 450959
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q2QoQ -5

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

Quarterly Headline

2025-Q2

Bank #450959 2025-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.91% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -18

The five pillars

Liquidity

StableQoQ -1
70
Sub-score

Liquidity is stable: brokered 5.9%, loans/deposits 85.7%, cash 1.9% of assets.

Cash / Assets
1.91%
Loans / Deposits
85.68%
Brokered %
5.86%

Watch Items

  • watchCash / Assets below 3% — Cash 1.91% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.97%
No watch items at this period.

Capitalization

StableQoQ +1
75
Sub-score

Capital position is stable: Tier 1 RBC 11.83%, CET1 11.83%, leverage 9.42%.

Tier 1 RBC
11.83%
CET1
11.83%
Leverage
9.42%
No watch items at this period.

Asset Quality

StrongQoQ -9
91
Sub-score

Asset quality is strong: Adjusted NPL 1.21%, Texas Ratio 8.2%, NCO YTD -0.01%.

Adjusted NPL
1.21%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
-0.01%
30-89 PD
0.80%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -18
80
Sub-score

Reserves are stable: ALLL 1.43% of loans, coverage 119.6%, true coverage 119.6%.

ALLL / Loans
1.43%
Coverage
119.6%
True Loss Coverage
119.6%
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: 2026-05-14 18:10:08 UTC