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Southeast Bank

IDRSSD: 3110197
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
63
/ 100
StableAs of 2023-Q4QoQ -31

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 #3110197 2023-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.8% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.8% (regulatory soft-warning level 50%).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.28%.

What changed this quarter

Compared to Q3 2023:
↓ -31 ptscomposite
  • Liquidity
    ↓ -17
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -56
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -17
73
Sub-score

Liquidity is stable: brokered 22.2%, loans/deposits 93.5%, cash 9.8% of assets.

Cash / Assets
9.84%
Loans / Deposits
93.54%
Brokered %
22.19%
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

StrongQoQ -5
84
Sub-score

Capital position is strong: Tier 1 RBC 12.36%, CET1 12.36%, leverage 9.14%.

Tier 1 RBC
12.36%
CET1
12.36%
Leverage
9.14%
No watch items at this period.

Asset Quality

WatchQoQ -56
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.34%, Texas Ratio 31.9%, NCO YTD 0.42%.

Adjusted NPL
3.34%
Govt-guarantees stripped
Texas Ratio
31.9%
NCO YTD
0.42%
30-89 PD
1.68%
Band 0.3% / 3.0%
90+ PD
3.28%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.34% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.28%.

Reserves

Risk
10
Sub-score

Reserves are weak: ALLL 0.79% of loans, coverage 23.8%, true coverage 22.8%.

ALLL / Loans
0.79%
Coverage
23.8%
True Loss Coverage
22.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.8% (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 03:35:18 UTC