Liquidity
StrongQoQ +2
84
Sub-score
Liquidity is strong: brokered 8.6%, loans/deposits 81.3%, cash 8.1% of assets.
- Cash / Assets
- 8.08%
- Loans / Deposits
- 81.33%
- Brokered %
- 8.56%
No watch items at this period.
Southern Bancorp Bank
IDRSSD: 852544
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
90
/ 100
StrongAs of 2024-Q3QoQ -2
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 #852544 2024-Q3 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2024:
↓ -2 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization— —
- Asset Quality↑ 0
- Reserves↓ -13
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 13.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 13.46%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 19.42%, CET1 19.42%, leverage 12.30%.
- Tier 1 RBC
- 19.42%
- CET1
- 19.42%
- Leverage
- 12.30%
No watch items at this period.
Asset Quality
StrongQoQ 0
97
Sub-score
Asset quality is strong: Adjusted NPL 0.86%, Texas Ratio 4.2%, NCO YTD 0.10%.
- Adjusted NPL
- 0.86%
- Texas Ratio
- 4.2%
- NCO YTD
- 0.10%
- 30-89 PD
- 0.28%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ -13
60
Sub-score
Reserves are deteriorating: ALLL 1.12% of loans, coverage 131.0%, true coverage 74.0%.
- ALLL / Loans
- 1.12%
- Coverage
- 131.0%
- True Loss Coverage
- 74.0%
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.tsfor 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 23:40:08 UTC