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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ -4

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

Quarterly Headline

2024-Q2

Bank #344647 2024-Q2 Vital Signs Score: 83/100 — 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
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.21% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.98% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -10

The five pillars

Liquidity

StrongQoQ +2
83
Sub-score

Liquidity is strong: brokered 1.5%, loans/deposits 64.1%, cash 3.0% of assets.

Cash / Assets
2.98%
Loans / Deposits
64.12%
Brokered %
1.48%

Watch Items

  • infoCash / Assets below 3% — Cash 2.98% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.31%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 14.99%, CET1 14.99%, leverage 9.91%.

Tier 1 RBC
14.99%
CET1
14.99%
Leverage
9.91%
No watch items at this period.

Asset Quality

StableQoQ -12
73
Sub-score

Asset quality is stable: Adjusted NPL 1.70%, Texas Ratio 8.7%, NCO YTD 2.21%.

Adjusted NPL
1.70%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
2.21%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.21% of loans.

Reserves

WatchQoQ -10
55
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 77.7%, true coverage 77.0%.

ALLL / Loans
1.31%
Coverage
77.7%
True Loss Coverage
77.0%
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