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The First State Bank Of Dongola

IDRSSD: 630041
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ -13

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #630041 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.24%.

What changed this quarter

Compared to Q3 2024:
↓ -13 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -48

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.4%, cash 31.3% of assets.

Cash / Assets
31.29%
Loans / Deposits
56.44%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.92%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.77%, CET1 18.77%, leverage 10.48%.

Tier 1 RBC
18.77%
CET1
18.77%
Leverage
10.48%
No watch items at this period.

Asset Quality

StableQoQ -21
76
Sub-score

Asset quality is stable: Adjusted NPL 1.53%, Texas Ratio 7.1%, NCO YTD 0.07%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
7.1%
NCO YTD
0.07%
30-89 PD
1.19%
Band 0.3% / 3.0%
90+ PD
1.24%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.24%.

Reserves

RiskQoQ -48
32
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 72.9%, true coverage 43.6%.

ALLL / Loans
1.10%
Coverage
72.9%
True Loss Coverage
43.6%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.6% (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 11:32:27 UTC