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The First State Bank Of Healy

IDRSSD: 864855
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q2QoQ -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-Q2

Bank #864855 2024-Q2 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.63% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.19%.

What changed this quarter

Compared to Q1 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -37

The five pillars

Liquidity

StableQoQ -5
63
Sub-score

Liquidity is stable: brokered 18.7%, loans/deposits 78.7%, cash 0.6% of assets.

Cash / Assets
0.63%
Loans / Deposits
78.74%
Brokered %
18.67%

Watch Items

  • riskCash / Assets below 3% — Cash 0.63% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 15.76%.

Tier 1 RBC
—
CET1
0.00%
Leverage
15.76%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -7
81
Sub-score

Asset quality is strong: Adjusted NPL 1.57%, Texas Ratio 5.9%, NCO YTD -0.10%.

Adjusted NPL
1.57%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
-0.10%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
1.19%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.19%.

Reserves

StableQoQ -37
63
Sub-score

Reserves are stable: ALLL 1.63% of loans, coverage 105.7%, true coverage 65.4%.

ALLL / Loans
1.63%
Coverage
105.7%
True Loss Coverage
65.4%
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: 2026-05-12 19:45:12 UTC