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Sidney Federal Savings And Loan Association

IDRSSD: 304575
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2023-Q4QoQ -10

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

Quarterly Headline

2023-Q4

Bank #304575 2023-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.14% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -19
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.3%, cash 31.3% of assets.

Cash / Assets
31.27%
Loans / Deposits
60.30%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.38%
No watch items at this period.

Capitalization

RiskQoQ -4
36
Sub-score

Capital position is weak: Tier 1 RBC 9.48%, CET1 9.48%, leverage 5.38%.

Tier 1 RBC
9.48%
CET1
9.48%
Leverage
5.38%
No watch items at this period.

Asset Quality

StrongQoQ -19
81
Sub-score

Asset quality is strong: Adjusted NPL 2.14%, Texas Ratio 19.1%, NCO YTD 0.00%.

Adjusted NPL
2.14%
Govt-guarantees stripped
Texas Ratio
19.1%
NCO YTD
0.00%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.14% (govt-guarantees stripped).

Reserves

Watch
52
Sub-score

Reserves are deteriorating: ALLL 1.42% of loans, coverage 67.4%, true coverage 67.4%.

ALLL / Loans
1.42%
Coverage
67.4%
True Loss Coverage
67.4%
No watch items at this period.

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 05:33:00 UTC