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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 — 2025-Q1

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

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q1QoQ -6

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 #1002458 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.2% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -23

The five pillars

Liquidity

StrongQoQ +1
80
Sub-score

Liquidity is strong: brokered 3.0%, loans/deposits 105.2%, cash 9.9% of assets.

Cash / Assets
9.87%
Loans / Deposits
105.19%
Brokered %
2.97%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.2% (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 17.89%, CET1 17.89%, leverage 13.24%.

Tier 1 RBC
17.89%
CET1
17.89%
Leverage
13.24%
No watch items at this period.

Asset Quality

StableQoQ -11
75
Sub-score

Asset quality is stable: Adjusted NPL 1.01%, Texas Ratio 6.0%, NCO YTD -0.01%.

Adjusted NPL
1.01%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
-0.01%
30-89 PD
2.44%
Band 0.3% / 3.0%
90+ PD
0.92%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -23
29
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 101.8%, true coverage 27.2%.

ALLL / Loans
1.02%
Coverage
101.8%
True Loss Coverage
27.2%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.2% (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