Visbanking Logo
Skip to main content

First Bank And Trust Company

IDRSSD: 114859
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #114859 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.48% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.74% (govt-guarantees stripped).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.03%.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -34

The five pillars

Liquidity

StrongQoQ +2
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.7%, cash 1.5% of assets.

Cash / Assets
1.48%
Loans / Deposits
69.69%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.48% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.44%, CET1 18.44%, leverage 10.51%.

Tier 1 RBC
18.44%
CET1
18.44%
Leverage
10.51%
No watch items at this period.

Asset Quality

StableQoQ +4
72
Sub-score

Asset quality is stable: Adjusted NPL 2.74%, Texas Ratio 12.5%, NCO YTD -0.02%.

Adjusted NPL
2.74%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
-0.02%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
1.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.74% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.03%.

Reserves

WatchQoQ -34
47
Sub-score

Reserves are deteriorating: ALLL 1.52% of loans, coverage 56.5%, true coverage 56.5%.

ALLL / Loans
1.52%
Coverage
56.5%
True Loss Coverage
56.5%
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