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First Bankers Trust Company National Association

IDRSSD: 344647
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q1QoQ -3

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

Quarterly Headline

2024-Q1

Bank #344647 2024-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.92% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.32% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ -5
81
Sub-score

Liquidity is strong: brokered 1.1%, loans/deposits 62.0%, cash 1.9% of assets.

Cash / Assets
1.92%
Loans / Deposits
62.00%
Brokered %
1.14%

Watch Items

  • watchCash / Assets below 3% — Cash 1.92% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.35%
No watch items at this period.

Capitalization

StrongQoQ +1
98
Sub-score

Capital position is strong: Tier 1 RBC 15.19%, CET1 15.19%, leverage 9.67%.

Tier 1 RBC
15.19%
CET1
15.19%
Leverage
9.67%
No watch items at this period.

Asset Quality

StrongQoQ -4
84
Sub-score

Asset quality is strong: Adjusted NPL 2.32%, Texas Ratio 11.3%, NCO YTD 0.03%.

Adjusted NPL
2.32%
Govt-guarantees stripped
Texas Ratio
11.3%
NCO YTD
0.03%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.32% (govt-guarantees stripped).

Reserves

StableQoQ -5
65
Sub-score

Reserves are stable: ALLL 1.88% of loans, coverage 82.6%, true coverage 82.0%.

ALLL / Loans
1.88%
Coverage
82.6%
True Loss Coverage
82.0%
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: 2026-05-12 16:15:03 UTC