Liquidity
StrongQoQ +6
82
Sub-score
Liquidity is strong: brokered 17.6%, loans/deposits 80.7%, cash 9.5% of assets.
- Cash / Assets
- 9.47%
- Loans / Deposits
- 80.74%
- Brokered %
- 17.57%
No watch items at this period.
Security First Bank
IDRSSD: 276850
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2023-Q4
Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
85
/ 100
StrongAs of 2023-Q4QoQ +2
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2023-Q4
Bank #276850 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2023:
↑ +2 ptscomposite
- Liquidity↑ +6
- Securities— —
- Capitalization↑ 0
- Asset Quality↓ -2
- Reserves— —
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 2.6% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 2.65%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ 0
62
Sub-score
Capital position is stable: Tier 1 RBC 10.53%, CET1 10.53%, leverage 8.19%.
- Tier 1 RBC
- 10.53%
- CET1
- 10.53%
- Leverage
- 8.19%
No watch items at this period.
Asset Quality
StrongQoQ -2
98
Sub-score
Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 3.5%, NCO YTD -0.07%.
- Adjusted NPL
- 0.46%
- Texas Ratio
- 3.5%
- NCO YTD
- -0.07%
- 30-89 PD
- 0.63%
- 90+ PD
- 0.10%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Strong
93
Sub-score
Reserves are strong: ALLL 1.28% of loans, coverage 283.6%, true coverage 283.6%.
- ALLL / Loans
- 1.28%
- Coverage
- 283.6%
- True Loss Coverage
- 283.6%
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.tsfor 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 02:06:45 UTC