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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ +1

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

Quarterly Headline

2025-Q3

Bank #1228034 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.48% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.4% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -1
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 91.9%, cash 2.3% of assets.

Cash / Assets
2.27%
Loans / Deposits
91.89%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.27% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.74%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.31%, CET1 17.31%, leverage 13.86%.

Tier 1 RBC
17.31%
CET1
17.31%
Leverage
13.86%
No watch items at this period.

Asset Quality

StableQoQ +3
63
Sub-score

Asset quality is stable: Adjusted NPL 5.48%, Texas Ratio 28.2%, NCO YTD 0.14%.

Adjusted NPL
5.48%
Govt-guarantees stripped
Texas Ratio
28.2%
NCO YTD
0.14%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.48% (govt-guarantees stripped).

Reserves

RiskQoQ +2
33
Sub-score

Reserves are weak: ALLL 1.48% of loans, coverage 27.4%, true coverage 27.4%.

ALLL / Loans
1.48%
Coverage
27.4%
True Loss Coverage
27.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.4% (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: 2026-05-13 04:26:42 UTC