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The First State Bank Of Shelby

IDRSSD: 686758
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2023-Q4QoQ -16

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

Quarterly Headline

2023-Q4

Bank #686758 2023-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.40% of assets (threshold 3%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.38% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -16 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↓ -1
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +2
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 19.4%, cash 1.4% of assets.

Cash / Assets
1.40%
Loans / Deposits
19.36%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.40% of assets (threshold 3%).

Securities

WatchQoQ -1
54
Sub-score

Securities profile is deteriorating: securities 33.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.69%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.10%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.10%

Watch Items

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

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.09%, Texas Ratio 0.1%, NCO YTD -0.02%.

Adjusted NPL
0.09%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
-0.02%
30-89 PD
0.98%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.38% of loans, coverage 423.8%, true coverage 423.8%.

ALLL / Loans
0.38%
Coverage
423.8%
True Loss Coverage
423.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.38% of loans.

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 08:59:23 UTC