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The First State Bank Of Rosemount

IDRSSD: 760957
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2024-Q3QoQ -15

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

Quarterly Headline

2024-Q3

Bank #760957 2024-Q3 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 20.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 20.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.23%.

What changed this quarter

Compared to Q2 2024:
↓ -15 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -40
  • Reserves
    ↓ -22

The five pillars

Liquidity

StableQoQ +2
78
Sub-score

Liquidity is stable: brokered 14.3%, loans/deposits 71.6%, cash 4.8% of assets.

Cash / Assets
4.82%
Loans / Deposits
71.58%
Brokered %
14.25%
No watch items at this period.

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

WatchQoQ -8
42
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.82%, CET1 9.82%, leverage 7.05%.

Tier 1 RBC
9.82%
CET1
9.82%
Leverage
7.05%
No watch items at this period.

Asset Quality

WatchQoQ -40
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.03%, Texas Ratio 36.6%, NCO YTD 0.07%.

Adjusted NPL
4.03%
Govt-guarantees stripped
Texas Ratio
36.6%
NCO YTD
0.07%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
3.23%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.03% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.23%.

Reserves

RiskQoQ -22
11
Sub-score

Reserves are weak: ALLL 0.83% of loans, coverage 20.7%, true coverage 20.7%.

ALLL / Loans
0.83%
Coverage
20.7%
True Loss Coverage
20.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 20.7% (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: 2026-05-15 01:04:36 UTC