Is First Stb of San Diego Safe?
First Stb of San Diego has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (56/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 23.97% | 100/100 |
| Nonperforming Loan Ratio | 0.70% | 86/100 |
| Liquidity Ratio | 71.39% | 100/100 |
| Return on Assets | 0.90% | 56/100 |
| Total Assets | $0.1B | |
How does First Stb of San Diego compare?
With a Bank Health Score of 91/100, First Stb of San Diego sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, First Stb of San Diego ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 23.97% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.70% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Stb of San Diego's Bank Health Score fell by 4.0 points to 91/100. Tier 1 capital weakened by 2.27 percentage points to 23.97%. Quarter-over-quarter, the score fell by 1.0 points.
First Stb of San Diego has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (56/100).