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The Seiling State Bank

IDRSSD: 313157
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-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

2025-Q1

Bank #313157 2025-Q1 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.32% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +2
71
Sub-score

Liquidity is stable: brokered 14.2%, loans/deposits 71.3%, cash 1.3% of assets.

Cash / Assets
1.32%
Loans / Deposits
71.26%
Brokered %
14.15%

Watch Items

  • watchCash / Assets below 3% — Cash 1.32% 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

StrongQoQ +9
87
Sub-score

Capital position is strong: Tier 1 RBC 12.97%, CET1 12.97%, leverage 9.43%.

Tier 1 RBC
12.97%
CET1
12.97%
Leverage
9.43%
No watch items at this period.

Asset Quality

StrongQoQ 0
95
Sub-score

Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 3.0%, NCO YTD 0.43%.

Adjusted NPL
0.46%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.43%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.30%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
89
Sub-score

Reserves are strong: ALLL 1.17% of loans, coverage 256.5%, true coverage 256.5%.

ALLL / Loans
1.17%
Coverage
256.5%
True Loss Coverage
256.5%
No watch items at this period.

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 16:36:07 UTC