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Southeast Bank

IDRSSD: 3110197
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q3QoQ +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-Q3

Bank #3110197 2024-Q3 Vital Signs Score: 69/100 — 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 2.66%.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 29.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 30.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ +1
80
Sub-score

Liquidity is stable: brokered 12.9%, loans/deposits 93.8%, cash 10.5% of assets.

Cash / Assets
10.50%
Loans / Deposits
93.82%
Brokered %
12.86%
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 +1
93
Sub-score

Capital position is strong: Tier 1 RBC 13.96%, CET1 13.96%, leverage 9.12%.

Tier 1 RBC
13.96%
CET1
13.96%
Leverage
9.12%
No watch items at this period.

Asset Quality

WatchQoQ +2
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.71%, Texas Ratio 23.3%, NCO YTD 0.25%.

Adjusted NPL
2.71%
Govt-guarantees stripped
Texas Ratio
23.3%
NCO YTD
0.25%
30-89 PD
1.70%
Band 0.3% / 3.0%
90+ PD
2.66%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.71% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.66%.

Reserves

RiskQoQ 0
11
Sub-score

Reserves are weak: ALLL 0.83% of loans, coverage 30.8%, true coverage 29.3%.

ALLL / Loans
0.83%
Coverage
30.8%
True Loss Coverage
29.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 29.3% (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