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Southeast Bank

IDRSSD: 3110197
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
64
/ 100
StableAs of 2024-Q1QoQ +1

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 #3110197 2024-Q1 Vital Signs Score: 64/100 — 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
    90+ days past due elevated
    Asset Quality — 90+ PD 2.56%.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 28.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 29.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +9
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -3
70
Sub-score

Liquidity is stable: brokered 20.7%, loans/deposits 95.4%, cash 8.6% of assets.

Cash / Assets
8.58%
Loans / Deposits
95.37%
Brokered %
20.70%
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 -4
80
Sub-score

Capital position is strong: Tier 1 RBC 12.31%, CET1 12.31%, leverage 8.47%.

Tier 1 RBC
12.31%
CET1
12.31%
Leverage
8.47%
No watch items at this period.

Asset Quality

WatchQoQ +9
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.60%, Texas Ratio 24.3%, NCO YTD 0.19%.

Adjusted NPL
2.60%
Govt-guarantees stripped
Texas Ratio
24.3%
NCO YTD
0.19%
30-89 PD
1.77%
Band 0.3% / 3.0%
90+ PD
2.56%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.60% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.56%.

Reserves

RiskQoQ -1
9
Sub-score

Reserves are weak: ALLL 0.76% of loans, coverage 29.6%, true coverage 28.1%.

ALLL / Loans
0.76%
Coverage
29.6%
True Loss Coverage
28.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 29.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.1% (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