Liquidity
StrongQoQ -1
97
Sub-score
Liquidity is strong: brokered 5.0%, loans/deposits 60.1%, cash 10.3% of assets.
- Cash / Assets
- 10.29%
- Loans / Deposits
- 60.09%
- Brokered %
- 5.02%
No watch items at this period.
Security State Bank Of Hibbing
IDRSSD: 950356
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q3
Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
85
/ 100
StrongAs of 2024-Q3QoQ -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-Q3
Bank #950356 2024-Q3 Vital Signs Score: 85/100 — 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
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2024:
↓ -3 ptscomposite
- Liquidity↓ -1
- Securities— —
- Capitalization— —
- Asset Quality↑ +2
- Reserves↓ -21
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 3.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 3.44%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 15.52%, CET1 15.52%, leverage 10.17%.
- Tier 1 RBC
- 15.52%
- CET1
- 15.52%
- Leverage
- 10.17%
No watch items at this period.
Asset Quality
StableQoQ +2
73
Sub-score
Asset quality is stable: Adjusted NPL 1.99%, Texas Ratio 9.7%, NCO YTD 0.09%.
- Adjusted NPL
- 1.99%
- Texas Ratio
- 9.7%
- NCO YTD
- 0.09%
- 30-89 PD
- 1.88%
- 90+ PD
- 0.57%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ -21
51
Sub-score
Reserves are deteriorating: ALLL 1.36% of loans, coverage 69.1%, true coverage 69.1%.
- ALLL / Loans
- 1.36%
- Coverage
- 69.1%
- True Loss Coverage
- 69.1%
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: 2026-05-12 00:56:09 UTC