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First Bank And Trust Co

IDRSSD: 1228034
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ -15

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

Quarterly Headline

2023-Q4

Bank #1228034 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.17% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.41% (govt-guarantees stripped).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.2% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -15 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -23
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -11
65
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 100.2%, cash 1.2% of assets.

Cash / Assets
1.17%
Loans / Deposits
100.22%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.17% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.71%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.44%, CET1 16.44%, leverage 13.78%.

Tier 1 RBC
16.44%
CET1
16.44%
Leverage
13.78%
No watch items at this period.

Asset Quality

StableQoQ -23
77
Sub-score

Asset quality is stable: Adjusted NPL 2.41%, Texas Ratio 13.6%, NCO YTD 0.09%.

Adjusted NPL
2.41%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
0.09%
30-89 PD
1.27%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.41% (govt-guarantees stripped).

Reserves

Watch
43
Sub-score

Reserves are deteriorating: ALLL 1.36% of loans, coverage 57.4%, true coverage 57.4%.

ALLL / Loans
1.36%
Coverage
57.4%
True Loss Coverage
57.4%
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: 2026-05-13 04:26:42 UTC