Visbanking Logo
Skip to main content

Fieldpoint Private Bank And Trust

IDRSSD: 3664588
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
58
/ 100
WatchAs of 2025-Q1QoQ -4

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 #3664588 2025-Q1 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 39.9% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 36.8% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ +2
66
Sub-score

Liquidity is stable: brokered 36.8%, loans/deposits 98.4%, cash 13.7% of assets.

Cash / Assets
13.67%
Loans / Deposits
98.36%
Brokered %
36.75%

Watch Items

  • watchBrokered deposits above 30% — Brokered 36.8% of deposits (threshold 30%).

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

RiskQoQ -1
35
Sub-score

Capital position is weak: Tier 1 RBC 9.52%, CET1 9.52%, leverage 5.65%.

Tier 1 RBC
9.52%
CET1
9.52%
Leverage
5.65%
No watch items at this period.

Asset Quality

StableQoQ -9
71
Sub-score

Asset quality is stable: Adjusted NPL 2.91%, Texas Ratio 28.4%, NCO YTD 0.29%.

Adjusted NPL
2.91%
Govt-guarantees stripped
Texas Ratio
28.4%
NCO YTD
0.29%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.91% (govt-guarantees stripped).

Reserves

RiskQoQ -10
26
Sub-score

Reserves are weak: ALLL 1.15% of loans, coverage 39.9%, true coverage 39.9%.

ALLL / Loans
1.15%
Coverage
39.9%
True Loss Coverage
39.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 39.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.9% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-14 10:31:06 UTC