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Security First Bank

IDRSSD: 276850
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
85
/ 100
StrongAs 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 #276850 2024-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 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +4
88
Sub-score

Liquidity is strong: brokered 14.8%, loans/deposits 75.1%, cash 17.3% of assets.

Cash / Assets
17.25%
Loans / Deposits
75.09%
Brokered %
14.79%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.38%
No watch items at this period.

Capitalization

StableQoQ -2
63
Sub-score

Capital position is stable: Tier 1 RBC 11.31%, CET1 11.31%, leverage 7.79%.

Tier 1 RBC
11.31%
CET1
11.31%
Leverage
7.79%
No watch items at this period.

Asset Quality

StrongQoQ -4
94
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 5.1%, NCO YTD 0.14%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
0.14%
30-89 PD
0.74%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -3
90
Sub-score

Reserves are strong: ALLL 1.27% of loans, coverage 189.7%, true coverage 133.5%.

ALLL / Loans
1.27%
Coverage
189.7%
True Loss Coverage
133.5%
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: 2026-05-14 02:06:45 UTC