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Sicily Island State Bank

IDRSSD: 1002458
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q3QoQ +8

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

Quarterly Headline

2024-Q3

Bank #1002458 2024-Q3 Vital Signs Score: 87/100 — 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 26.2% (Adjusted NPL + Performing Mods denominator).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.2% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +23

The five pillars

Liquidity

StableQoQ 0
79
Sub-score

Liquidity is stable: brokered 8.9%, loans/deposits 101.2%, cash 13.4% of assets.

Cash / Assets
13.40%
Loans / Deposits
101.18%
Brokered %
8.85%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.2% (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 18.64%, CET1 18.64%, leverage 13.07%.

Tier 1 RBC
18.64%
CET1
18.64%
Leverage
13.07%
No watch items at this period.

Asset Quality

StrongQoQ +17
95
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 1.6%, NCO YTD 0.00%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
0.00%
30-89 PD
1.13%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +23
52
Sub-score

Reserves are deteriorating: ALLL 1.05% of loans, coverage 371.6%, true coverage 26.2%.

ALLL / Loans
1.05%
Coverage
371.6%
True Loss Coverage
26.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.2% (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