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Security State Bank

IDRSSD: 527749
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #527749 2025-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.18% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.14%.

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -1

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 52.7%, cash 10.3% of assets.

Cash / Assets
10.26%
Loans / Deposits
52.66%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.64%
No watch items at this period.

Capitalization

StrongQoQ -3
87
Sub-score

Capital position is strong: Tier 1 RBC 13.93%, CET1 13.93%, leverage 7.96%.

Tier 1 RBC
13.93%
CET1
13.93%
Leverage
7.96%
No watch items at this period.

Asset Quality

StableQoQ +8
73
Sub-score

Asset quality is stable: Adjusted NPL 2.18%, Texas Ratio 11.9%, NCO YTD 0.35%.

Adjusted NPL
2.18%
Govt-guarantees stripped
Texas Ratio
11.9%
NCO YTD
0.35%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
1.14%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.18% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.14%.

Reserves

RiskQoQ -1
30
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 50.8%, true coverage 50.8%.

ALLL / Loans
1.10%
Coverage
50.8%
True Loss Coverage
50.8%
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 07:43:17 UTC