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The First Security Bank

IDRSSD: 460350
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
71
/ 100
StableAs of 2024-Q1QoQ -8

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 #460350 2024-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.49%.

What changed this quarter

Compared to Q4 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -32

The five pillars

Liquidity

StableQoQ 0
78
Sub-score

Liquidity is stable: brokered 8.5%, loans/deposits 83.6%, cash 5.6% of assets.

Cash / Assets
5.61%
Loans / Deposits
83.59%
Brokered %
8.55%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.16%
No watch items at this period.

Capitalization

WatchQoQ +2
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.72%, CET1 9.72%, leverage 7.49%.

Tier 1 RBC
9.72%
CET1
9.72%
Leverage
7.49%
No watch items at this period.

Asset Quality

StableQoQ -14
75
Sub-score

Asset quality is stable: Adjusted NPL 1.49%, Texas Ratio 13.4%, NCO YTD -0.01%.

Adjusted NPL
1.49%
Govt-guarantees stripped
Texas Ratio
13.4%
NCO YTD
-0.01%
30-89 PD
0.89%
Band 0.3% / 3.0%
90+ PD
1.49%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.49%.

Reserves

StableQoQ -32
60
Sub-score

Reserves are stable: ALLL 1.27% of loans, coverage 86.1%, true coverage 86.1%.

ALLL / Loans
1.27%
Coverage
86.1%
True Loss Coverage
86.1%
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 21:07:17 UTC