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First And Peoples Bank And Trust Company

IDRSSD: 391418
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
StableAs of 2025-Q4QoQ +3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q4

Bank #391418 2025-Q4 Vital Signs Score: 60/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 18.72% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +13
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -7
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.7%, cash 2.4% of assets.

Cash / Assets
2.44%
Loans / Deposits
45.71%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.44% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.90%
No watch items at this period.

Capitalization

WatchQoQ +3
42
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.09%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.09%

Watch Items

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

Asset Quality

WatchQoQ +13
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 18.72%, Texas Ratio 68.2%, NCO YTD -0.56%.

Adjusted NPL
18.72%
Govt-guarantees stripped
Texas Ratio
68.2%
NCO YTD
-0.56%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 18.72% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 68.2% (industry watch band 50% / risk band 100%).

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 4.18% of loans, coverage 23.3%, true coverage 23.3%.

ALLL / Loans
4.18%
Coverage
23.3%
True Loss Coverage
23.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.3% (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 14:56:22 UTC