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Security State Bank Of Warroad

IDRSSD: 868059
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
68
/ 100
StableAs of 2024-Q1QoQ -11

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 #868059 2024-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.62%.
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.62% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -11 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -35
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ +2
84
Sub-score

Liquidity is strong: brokered 14.2%, loans/deposits 52.5%, cash 7.1% of assets.

Cash / Assets
7.09%
Loans / Deposits
52.51%
Brokered %
14.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.44%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.44%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -35
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.62%, Texas Ratio 7.7%, NCO YTD 0.31%.

Adjusted NPL
2.62%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.31%
30-89 PD
3.64%
Band 0.3% / 3.0%
90+ PD
2.62%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.62% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.62%.

Reserves

StrongQoQ -17
83
Sub-score

Reserves are strong: ALLL 3.08% of loans, coverage 121.3%, true coverage 120.4%.

ALLL / Loans
3.08%
Coverage
121.3%
True Loss Coverage
120.4%
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: 2026-05-15 01:06:14 UTC