Visbanking Logo
Skip to main content

First Bank Of Thomas

IDRSSD: 328058
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
93
/ 100
StrongAs of 2024-Q4QoQ -2

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 #328058 2024-Q4 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -18

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.6%, cash 31.3% of assets.

Cash / Assets
31.27%
Loans / Deposits
56.57%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.85%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 32.20%, CET1 32.20%, leverage 16.04%.

Tier 1 RBC
32.20%
CET1
32.20%
Leverage
16.04%
No watch items at this period.

Asset Quality

StrongQoQ +4
82
Sub-score

Asset quality is strong: Adjusted NPL 1.80%, Texas Ratio 5.0%, NCO YTD 0.00%.

Adjusted NPL
1.80%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.00%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.78%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -18
80
Sub-score

Reserves are strong: ALLL 1.95% of loans, coverage 110.4%, true coverage 110.4%.

ALLL / Loans
1.95%
Coverage
110.4%
True Loss Coverage
110.4%
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: 2026-05-13 01:55:38 UTC