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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q1QoQ +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-Q1

Bank #2806877 2024-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 137.0% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.74% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ 0
49
Sub-score

Liquidity is deteriorating: brokered 22.6%, loans/deposits 137.0%, cash 2.7% of assets.

Cash / Assets
2.74%
Loans / Deposits
137.02%
Brokered %
22.58%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 137.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.74% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.49%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.93%, CET1 18.93%, leverage 13.05%.

Tier 1 RBC
18.93%
CET1
18.93%
Leverage
13.05%
No watch items at this period.

Asset Quality

StrongQoQ +8
91
Sub-score

Asset quality is strong: Adjusted NPL 1.25%, Texas Ratio 7.5%, NCO YTD 0.35%.

Adjusted NPL
1.25%
Govt-guarantees stripped
Texas Ratio
7.5%
NCO YTD
0.35%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +4
42
Sub-score

Reserves are deteriorating: ALLL 0.94% of loans, coverage 75.9%, true coverage 75.9%.

ALLL / Loans
0.94%
Coverage
75.9%
True Loss Coverage
75.9%
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