Visbanking Logo
Skip to main content

Sicily Island State Bank

IDRSSD: 1002458
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
82
/ 100
StrongAs of 2024-Q1QoQ -1

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 #1002458 2024-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.1% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ +1
68
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 112.1%, cash 7.3% of assets.

Cash / Assets
7.32%
Loans / Deposits
112.13%
Brokered %
9.68%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.1% (threshold 100%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.00%, CET1 16.00%, leverage 12.64%.

Tier 1 RBC
16.00%
CET1
16.00%
Leverage
12.64%
No watch items at this period.

Asset Quality

StrongQoQ -2
81
Sub-score

Asset quality is strong: Adjusted NPL 0.55%, Texas Ratio 3.5%, NCO YTD 0.01%.

Adjusted NPL
0.55%
Govt-guarantees stripped
Texas Ratio
3.5%
NCO YTD
0.01%
30-89 PD
6.99%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -4
51
Sub-score

Reserves are deteriorating: ALLL 1.05% of loans, coverage 191.9%, true coverage 32.8%.

ALLL / Loans
1.05%
Coverage
191.9%
True Loss Coverage
32.8%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.8% (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: 2026-05-14 13:52:11 UTC