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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q1QoQ -2

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

Quarterly Headline

2024-Q1

Bank #686758 2024-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Liquidity (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
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.50% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.83% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +3
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 18.8%, cash 2.8% of assets.

Cash / Assets
2.83%
Loans / Deposits
18.78%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.83% of assets (threshold 3%).

Securities

WatchQoQ +1
56
Sub-score

Securities profile is deteriorating: securities 33.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
33.25%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.46%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.46%

Watch Items

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

Asset Quality

StrongQoQ -12
83
Sub-score

Asset quality is strong: Adjusted NPL 0.06%, Texas Ratio 0.0%, NCO YTD 0.02%.

Adjusted NPL
0.06%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.02%
30-89 PD
2.98%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.50% of loans, coverage 853.8%, true coverage 853.8%.

ALLL / Loans
0.50%
Coverage
853.8%
True Loss Coverage
853.8%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.50% 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