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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ +3

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 #304575 2024-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (risk).

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

Top 3 Watch Items

  1. info
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 4.96% (PCA threshold 5%).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +17

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.5%, cash 30.3% of assets.

Cash / Assets
30.32%
Loans / Deposits
60.53%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.54%
No watch items at this period.

Capitalization

RiskQoQ -8
28
Sub-score

Capital position is weak: Tier 1 RBC 8.89%, CET1 8.89%, leverage 4.96%.

Tier 1 RBC
8.89%
CET1
8.89%
Leverage
4.96%

Watch Items

  • infoTier 1 Leverage below 5% — Tier 1 Leverage 4.96% (PCA threshold 5%).

Asset Quality

StrongQoQ +8
89
Sub-score

Asset quality is strong: Adjusted NPL 1.69%, Texas Ratio 16.0%, NCO YTD 0.00%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
16.0%
NCO YTD
0.00%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +17
69
Sub-score

Reserves are stable: ALLL 1.48% of loans, coverage 88.8%, true coverage 88.8%.

ALLL / Loans
1.48%
Coverage
88.8%
True Loss Coverage
88.8%
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