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Security State Bank Of Hibbing

IDRSSD: 950356
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
92
/ 100
StrongAs of 2024-Q1QoQ -3

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 #950356 2024-Q1 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (strong).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
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 Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -2
91
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 64.1%, cash 6.8% of assets.

Cash / Assets
6.75%
Loans / Deposits
64.06%
Brokered %
2.91%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.15%
No watch items at this period.

Capitalization

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 14.86%, CET1 14.86%, leverage 9.63%.

Tier 1 RBC
14.86%
CET1
14.86%
Leverage
9.63%
No watch items at this period.

Asset Quality

StrongQoQ -5
86
Sub-score

Asset quality is strong: Adjusted NPL 0.88%, Texas Ratio 4.5%, NCO YTD 0.00%.

Adjusted NPL
0.88%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.00%
30-89 PD
1.25%
Band 0.3% / 3.0%
90+ PD
0.57%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -9
85
Sub-score

Reserves are strong: ALLL 1.35% of loans, coverage 154.6%, true coverage 154.6%.

ALLL / Loans
1.35%
Coverage
154.6%
True Loss Coverage
154.6%
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: 2026-05-12 00:56:09 UTC