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First Bank And Trust Company Of Illinois

IDRSSD: 646444
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ -5

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

Quarterly Headline

2024-Q3

Bank #646444 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.14% of loans.
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.34% (govt-guarantees stripped).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.56%.

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +2
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 87.0%, cash 23.6% of assets.

Cash / Assets
23.59%
Loans / Deposits
86.98%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.21%, CET1 20.21%, leverage 15.43%.

Tier 1 RBC
20.21%
CET1
20.21%
Leverage
15.43%
No watch items at this period.

Asset Quality

RiskQoQ -20
30
Sub-score

Asset quality is weak: Adjusted NPL 6.34%, Texas Ratio 26.9%, NCO YTD 7.14%.

Adjusted NPL
6.34%
Govt-guarantees stripped
Texas Ratio
26.9%
NCO YTD
7.14%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
3.56%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.34% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.56%.
  • riskNet charge-offs elevated — NCO YTD 7.14% of loans.

Reserves

RiskQoQ 0
33
Sub-score

Reserves are weak: ALLL 1.77% of loans, coverage 28.4%, true coverage 28.4%.

ALLL / Loans
1.77%
Coverage
28.4%
True Loss Coverage
28.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 28.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 28.4% (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: 2026-05-12 21:10:10 UTC