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First American Bank And Trust Company

IDRSSD: 921039
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 921039 held $889.7M in total assets as of 2026-03-31 (+4.3% quarter-over-quarter). Total loans stood at $698.5M (+6.2% QoQ) and total deposits at $751.1M (+4.2% QoQ).

Overall position is adequate — the composite Health Score is 70/100 (Adequate). Tier 1 / RWA stands at 16.78%, in the above median of peers. Asset quality (NPL ratio) sits in the top quartile of peers.

1 Quarterly Anomaly Alert fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
70/100
Adequate
Active Alerts
1
1 critical, 0 warning
Total Assets
$889.7M
+4.3% QoQ
Total Loans
$698.5M
+6.2% QoQ
Total Deposits
$751.1M
+4.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
16.78%
71th pctile · n=323↑ better
-63 bp QoQ
CET1 / RWA
16.78%
81th pctile · n=500↑ better
-63 bp QoQ
Total RBC / RWA
18.03%
72th pctile · n=323↑ better
-63 bp QoQ
Tier 1 Leverage Ratio
16.78%
81th pctile · n=500↑ better
-63 bp QoQ

Liquidity

Cash / Assets
0.00%
1th pctile · n=500↑ better
-218 bp QoQ
Loans / Deposits
93.00%
76th pctile · n=498↓ better
+175 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.03%
13th pctile · n=500↓ better
+3 bp QoQ
NPA / Assets
0.02%
13th pctile · n=500↓ better
+2 bp QoQ
Texas Ratio (regulatory)
0.16%
13th pctile · n=500↓ better
+15 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
37th pctile · n=500↓ better
ALLL Coverage of NPL
3827.94%
94th pctile · n=500↑ better
-4088382 bp QoQ

Earnings

Net Interest Margin
4.57%
89th pctile · n=500↑ better
-21 bp QoQ
Return on Assets
1.90%
84th pctile · n=500↑ better
-28 bp QoQ
Return on Equity
14.57%
66th pctile · n=500↑ better
-230 bp QoQ
Efficiency Ratio
51.27%
23th pctile · n=500↓ better
+204 bp QoQ
Pre-tax NOI / Avg Assets
2.43%
91th pctile · n=500↑ better
-21 bp QoQ

Funding

Brokered / Deposits
0.00%
22th pctile · n=498↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.39%
45th pctile · n=500↓ better
-29 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
15.84%
50th pctile · n=500↑ better
-74 bp QoQ
AFS Securities / Assets
15.37%
58th pctile · n=500↑ better
-72 bp QoQ
HTM Securities / Assets
0.48%
69th pctile · n=500↑ better
-2 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 16:30:19 UTC