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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q4QoQ +6

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

Quarterly Headline

2024-Q4

Bank #646444 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.76% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.19%.
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.7% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2024:
↑ +6 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +7
98
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.8%, cash 34.7% of assets.

Cash / Assets
34.71%
Loans / Deposits
73.81%
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 22.30%, CET1 22.30%, leverage 14.09%.

Tier 1 RBC
22.30%
CET1
22.30%
Leverage
14.09%
No watch items at this period.

Asset Quality

WatchQoQ +18
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.76%, Texas Ratio 22.1%, NCO YTD -4.99%.

Adjusted NPL
5.76%
Govt-guarantees stripped
Texas Ratio
22.1%
NCO YTD
-4.99%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
3.19%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.76% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.19%.

Reserves

RiskQoQ +4
37
Sub-score

Reserves are weak: ALLL 2.12% of loans, coverage 37.7%, true coverage 37.7%.

ALLL / Loans
2.12%
Coverage
37.7%
True Loss Coverage
37.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.7% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.7% (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