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First Bank And Trust Company

IDRSSD: 114859
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
85
/ 100
StrongAs of 2025-Q3QoQ -7

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 #114859 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.47% of assets (threshold 3%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.29%.

What changed this quarter

Compared to Q2 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -16

The five pillars

Liquidity

StableQoQ -1
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 73.2%, cash 1.5% of assets.

Cash / Assets
1.47%
Loans / Deposits
73.18%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.47% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.66%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 18.70%, CET1 18.70%, leverage 10.48%.

Tier 1 RBC
18.70%
CET1
18.70%
Leverage
10.48%
No watch items at this period.

Asset Quality

StableQoQ -17
69
Sub-score

Asset quality is stable: Adjusted NPL 1.29%, Texas Ratio 5.9%, NCO YTD -0.03%.

Adjusted NPL
1.29%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
-0.03%
30-89 PD
2.55%
Band 0.3% / 3.0%
90+ PD
1.29%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.29%.

Reserves

StrongQoQ -16
82
Sub-score

Reserves are strong: ALLL 1.50% of loans, coverage 117.5%, true coverage 117.5%.

ALLL / Loans
1.50%
Coverage
117.5%
True Loss Coverage
117.5%
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: 2026-05-14 02:09:57 UTC