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The Federal Savings Bank

IDRSSD: 2806877
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
76
/ 100
StableAs of 2023-Q4QoQ -14

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 #2806877 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 140.3% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.95% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -11
49
Sub-score

Liquidity is deteriorating: brokered 23.2%, loans/deposits 140.3%, cash 3.0% of assets.

Cash / Assets
2.95%
Loans / Deposits
140.27%
Brokered %
23.15%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 140.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.95% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.42%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.49%, CET1 19.49%, leverage 13.48%.

Tier 1 RBC
19.49%
CET1
19.49%
Leverage
13.48%
No watch items at this period.

Asset Quality

StrongQoQ -15
83
Sub-score

Asset quality is strong: Adjusted NPL 1.11%, Texas Ratio 6.5%, NCO YTD 0.37%.

Adjusted NPL
1.11%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
0.37%
30-89 PD
1.76%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
38
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 84.6%, true coverage 63.8%.

ALLL / Loans
0.93%
Coverage
84.6%
True Loss Coverage
63.8%
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: 2026-05-13 14:03:49 UTC