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Security State Bank

IDRSSD: 750846
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q1QoQ -14

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

Quarterly Headline

2025-Q1

Bank #750846 2025-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.20% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.00%.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.1% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↓ -14 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -28
  • Reserves
    ↓ -40

The five pillars

Liquidity

StrongQoQ -4
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 85.0%, cash 11.6% of assets.

Cash / Assets
11.56%
Loans / Deposits
85.04%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.28%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.54%, CET1 30.54%, leverage 22.85%.

Tier 1 RBC
30.54%
CET1
30.54%
Leverage
22.85%
No watch items at this period.

Asset Quality

RiskQoQ -28
33
Sub-score

Asset quality is weak: Adjusted NPL 5.20%, Texas Ratio 13.9%, NCO YTD 0.00%.

Adjusted NPL
5.20%
Govt-guarantees stripped
Texas Ratio
13.9%
NCO YTD
0.00%
30-89 PD
5.45%
Band 0.3% / 3.0%
90+ PD
4.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.20% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.00%.

Reserves

WatchQoQ -40
41
Sub-score

Reserves are deteriorating: ALLL 2.34% of loans, coverage 46.1%, true coverage 46.1%.

ALLL / Loans
2.34%
Coverage
46.1%
True Loss Coverage
46.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.1% (Adjusted NPL + Performing Mods denominator).

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 01:30:04 UTC