Visbanking Logo
Skip to main content

Sidney Federal Savings And Loan Association

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q2QoQ -4

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

Quarterly Headline

2024-Q2

Bank #304575 2024-Q2 Vital Signs Score: 71/100 — 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 4.63% (PCA threshold 5%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.16% of loans.
  3. info
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 7.97% (PCA threshold 8%).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ -14
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +4

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.4%, cash 35.1% of assets.

Cash / Assets
35.09%
Loans / Deposits
59.42%
Brokered %
0.00%
No watch items at this period.

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

RiskQoQ -14
14
Sub-score

Capital position is weak: Tier 1 RBC 7.97%, CET1 7.97%, leverage 4.63%.

Tier 1 RBC
7.97%
CET1
7.97%
Leverage
4.63%

Watch Items

  • infoTier 1 RBC below 8% — Tier 1 RBC 7.97% (PCA threshold 8%).
  • infoTier 1 Leverage below 5% — Tier 1 Leverage 4.63% (PCA threshold 5%).

Asset Quality

StrongQoQ -3
86
Sub-score

Asset quality is strong: Adjusted NPL 0.99%, Texas Ratio 10.6%, NCO YTD 1.16%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
1.16%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.16% of loans.

Reserves

StableQoQ +4
73
Sub-score

Reserves are stable: ALLL 1.21% of loans, coverage 123.4%, true coverage 123.4%.

ALLL / Loans
1.21%
Coverage
123.4%
True Loss Coverage
123.4%
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