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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #686758 2025-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.31% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ -3
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 18.5%, cash 6.9% of assets.

Cash / Assets
6.88%
Loans / Deposits
18.50%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +6
64
Sub-score

Securities profile is stable: securities 30.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
30.94%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.84%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.84%

Watch Items

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

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 0.2%, NCO YTD 0.00%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.00%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -15
51
Sub-score

Reserves are deteriorating: ALLL 0.31% of loans, coverage 131.1%, true coverage 131.1%.

ALLL / Loans
0.31%
Coverage
131.1%
True Loss Coverage
131.1%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.31% 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