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The First State Bank

IDRSSD: 141350
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #141350 2024-Q2 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.77% of assets (threshold 3%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.54% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +5

The five pillars

Liquidity

WatchQoQ -5
54
Sub-score

Liquidity is deteriorating: brokered 25.4%, loans/deposits 88.2%, cash 0.8% of assets.

Cash / Assets
0.77%
Loans / Deposits
88.23%
Brokered %
25.36%

Watch Items

  • riskCash / Assets below 3% — Cash 0.77% 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 0
43
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.11%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.11%

Watch Items

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

Asset Quality

StrongQoQ -2
87
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 5.2%, NCO YTD 0.18%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
0.18%
30-89 PD
1.44%
Band 0.3% / 3.0%
90+ PD
0.55%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +5
39
Sub-score

Reserves are weak: ALLL 0.54% of loans, coverage 90.0%, true coverage 90.0%.

ALLL / Loans
0.54%
Coverage
90.0%
True Loss Coverage
90.0%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.54% 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: 2026-05-13 01:28:32 UTC