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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q1QoQ -2

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

Quarterly Headline

2025-Q1

Bank #646444 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 6.18% of loans.
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.12%.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.01% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ +2
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.2%, cash 38.6% of assets.

Cash / Assets
38.57%
Loans / Deposits
67.22%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.36%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.94%, CET1 21.94%, leverage 13.75%.

Tier 1 RBC
21.94%
CET1
21.94%
Leverage
13.75%
No watch items at this period.

Asset Quality

RiskQoQ -12
36
Sub-score

Asset quality is weak: Adjusted NPL 4.01%, Texas Ratio 15.9%, NCO YTD 6.18%.

Adjusted NPL
4.01%
Govt-guarantees stripped
Texas Ratio
15.9%
NCO YTD
6.18%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
3.12%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.01% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.12%.
  • riskNet charge-offs elevated — NCO YTD 6.18% of loans.

Reserves

WatchQoQ +5
42
Sub-score

Reserves are deteriorating: ALLL 1.90% of loans, coverage 48.3%, true coverage 48.3%.

ALLL / Loans
1.90%
Coverage
48.3%
True Loss Coverage
48.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.3% (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