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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-Q4

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

Synthesis

Vital Signs Score
51
/ 100
WatchAs of 2024-Q4QoQ -3

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 #760957 2024-Q4 Vital Signs Score: 51/100 — 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 21.6% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.6% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.91% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -11
68
Sub-score

Liquidity is stable: brokered 14.9%, loans/deposits 75.0%, cash 0.9% of assets.

Cash / Assets
0.91%
Loans / Deposits
74.97%
Brokered %
14.88%

Watch Items

  • riskCash / Assets below 3% — Cash 0.91% 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

WatchQoQ -2
40
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.64%, CET1 9.64%, leverage 7.00%.

Tier 1 RBC
9.64%
CET1
9.64%
Leverage
7.00%
No watch items at this period.

Asset Quality

WatchQoQ 0
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.61%, Texas Ratio 34.0%, NCO YTD 0.24%.

Adjusted NPL
3.61%
Govt-guarantees stripped
Texas Ratio
34.0%
NCO YTD
0.24%
30-89 PD
1.26%
Band 0.3% / 3.0%
90+ PD
2.87%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.61% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.87%.

Reserves

RiskQoQ -2
9
Sub-score

Reserves are weak: ALLL 0.77% of loans, coverage 21.6%, true coverage 21.6%.

ALLL / Loans
0.77%
Coverage
21.6%
True Loss Coverage
21.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.6% (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: 2026-05-15 01:04:36 UTC