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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q1QoQ +1

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

Quarterly Headline

2024-Q1

Bank #1228034 2024-Q1 Vital Signs Score: 80/100 — overall strong. 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 1.30% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.32% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +2
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 96.1%, cash 1.3% of assets.

Cash / Assets
1.30%
Loans / Deposits
96.09%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.30% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.83%, CET1 16.83%, leverage 13.54%.

Tier 1 RBC
16.83%
CET1
16.83%
Leverage
13.54%
No watch items at this period.

Asset Quality

StableQoQ +1
79
Sub-score

Asset quality is stable: Adjusted NPL 2.32%, Texas Ratio 12.9%, NCO YTD -0.01%.

Adjusted NPL
2.32%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
-0.01%
30-89 PD
1.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.32% (govt-guarantees stripped).

Reserves

WatchQoQ +3
47
Sub-score

Reserves are deteriorating: ALLL 1.39% of loans, coverage 60.7%, true coverage 60.7%.

ALLL / Loans
1.39%
Coverage
60.7%
True Loss Coverage
60.7%
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