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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
51
/ 100
WatchAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #760957 2025-Q2 Vital Signs Score: 51/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.1% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.1% (Adjusted NPL + Performing Mods denominator).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.63%.

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -4
67
Sub-score

Liquidity is stable: brokered 17.3%, loans/deposits 75.9%, cash 1.5% of assets.

Cash / Assets
1.50%
Loans / Deposits
75.91%
Brokered %
17.34%

Watch Items

  • watchCash / Assets below 3% — Cash 1.50% 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

RiskQoQ +1
35
Sub-score

Capital position is weak: Tier 1 RBC 9.32%, CET1 9.32%, leverage 6.59%.

Tier 1 RBC
9.32%
CET1
9.32%
Leverage
6.59%
No watch items at this period.

Asset Quality

WatchQoQ +9
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.62%, Texas Ratio 35.9%, NCO YTD 0.00%.

Adjusted NPL
3.62%
Govt-guarantees stripped
Texas Ratio
35.9%
NCO YTD
0.00%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
2.63%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.62% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.63%.

Reserves

RiskQoQ +2
11
Sub-score

Reserves are weak: ALLL 0.83% of loans, coverage 23.1%, true coverage 23.1%.

ALLL / Loans
0.83%
Coverage
23.1%
True Loss Coverage
23.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.1% (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