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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #750846 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.16% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.98%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↓ -4

The five pillars

Liquidity

StrongQoQ -1
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 86.1%, cash 13.3% of assets.

Cash / Assets
13.27%
Loans / Deposits
86.14%
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
4.62%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 31.16%, CET1 31.16%, leverage 23.74%.

Tier 1 RBC
31.16%
CET1
31.16%
Leverage
23.74%
No watch items at this period.

Asset Quality

WatchQoQ +11
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.16%, Texas Ratio 16.2%, NCO YTD 0.00%.

Adjusted NPL
6.16%
Govt-guarantees stripped
Texas Ratio
16.2%
NCO YTD
0.00%
30-89 PD
1.17%
Band 0.3% / 3.0%
90+ PD
4.98%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.16% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.98%.

Reserves

RiskQoQ -4
37
Sub-score

Reserves are weak: ALLL 2.33% of loans, coverage 38.6%, true coverage 38.6%.

ALLL / Loans
2.33%
Coverage
38.6%
True Loss Coverage
38.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.6% (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