Liquidity
StrongQoQ +2
95
Sub-score
Liquidity is strong: brokered 6.8%, loans/deposits 64.3%, cash 13.6% of assets.
- Cash / Assets
- 13.62%
- Loans / Deposits
- 64.32%
- Brokered %
- 6.76%
No watch items at this period.
Fbt Bank And Mortgage
IDRSSD: 314444
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q3
Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
82
/ 100
StrongAs of 2024-Q3QoQ +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-Q3
Bank #314444 2024-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q2 2024:
↑ +4 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization↓ 0
- Asset Quality↑ +11
- Reserves↑ +4
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 11.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 11.80%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ 0
46
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 9.53%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 9.53%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ +11
94
Sub-score
Asset quality is strong: Adjusted NPL 0.66%, Texas Ratio 3.4%, NCO YTD -0.04%.
- Adjusted NPL
- 0.66%
- Texas Ratio
- 3.4%
- NCO YTD
- -0.04%
- 30-89 PD
- 0.97%
- 90+ PD
- 0.16%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +4
87
Sub-score
Reserves are strong: ALLL 1.58% of loans, coverage 240.7%, true coverage 72.5%.
- ALLL / Loans
- 1.58%
- Coverage
- 240.7%
- True Loss Coverage
- 72.5%
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.tsfor 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