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Fbt Bank And Mortgage

IDRSSD: 314444
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
78
/ 100
StableAs of 2024-Q2QoQ -4

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 #314444 2024-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +1
94
Sub-score

Liquidity is strong: brokered 9.0%, loans/deposits 63.0%, cash 14.6% of assets.

Cash / Assets
14.62%
Loans / Deposits
63.03%
Brokered %
9.04%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.20%
No watch items at this period.

Capitalization

WatchQoQ 0
46
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.54%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.54%

Watch Items

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

Asset Quality

StrongQoQ -14
83
Sub-score

Asset quality is strong: Adjusted NPL 0.50%, Texas Ratio 2.6%, NCO YTD 0.11%.

Adjusted NPL
0.50%
Govt-guarantees stripped
Texas Ratio
2.6%
NCO YTD
0.11%
30-89 PD
3.27%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
83
Sub-score

Reserves are strong: ALLL 1.43% of loans, coverage 286.6%, true coverage 68.7%.

ALLL / Loans
1.43%
Coverage
286.6%
True Loss Coverage
68.7%
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: 2026-05-12 01:04:38 UTC