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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-Q2

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

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q2QoQ -17

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 #1002458 2025-Q2 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.7% (Adjusted NPL + Performing Mods denominator).
  2. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 119.5% (threshold 100%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2025:
↓ -17 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -20
60
Sub-score

Liquidity is stable: brokered 3.3%, loans/deposits 119.5%, cash 2.1% of assets.

Cash / Assets
2.12%
Loans / Deposits
119.48%
Brokered %
3.28%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 119.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.12% of assets (threshold 3%).

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

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.35%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.35%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ 0
75
Sub-score

Asset quality is stable: Adjusted NPL 1.19%, Texas Ratio 7.0%, NCO YTD 0.07%.

Adjusted NPL
1.19%
Govt-guarantees stripped
Texas Ratio
7.0%
NCO YTD
0.07%
30-89 PD
3.67%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
23
Sub-score

Reserves are weak: ALLL 0.98% of loans, coverage 82.8%, true coverage 21.7%.

ALLL / Loans
0.98%
Coverage
82.8%
True Loss Coverage
21.7%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.7% (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