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First Farmers Bank And Trust Co

IDRSSD: 139843
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2023-Q4QoQ -1

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

Quarterly Headline

2023-Q4

Bank #139843 2023-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.73% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -10
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -3
64
Sub-score

Liquidity is stable: brokered 15.0%, loans/deposits 85.1%, cash 1.7% of assets.

Cash / Assets
1.73%
Loans / Deposits
85.10%
Brokered %
15.04%

Watch Items

  • watchCash / Assets below 3% — Cash 1.73% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.62%
No watch items at this period.

Capitalization

StrongQoQ +2
86
Sub-score

Capital position is strong: Tier 1 RBC 12.14%, CET1 12.14%, leverage 9.82%.

Tier 1 RBC
12.14%
CET1
12.14%
Leverage
9.82%
No watch items at this period.

Asset Quality

StrongQoQ -10
90
Sub-score

Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 4.6%, NCO YTD 0.64%.

Adjusted NPL
0.68%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
0.64%
30-89 PD
0.89%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.55% of loans, coverage 229.4%, true coverage 126.3%.

ALLL / Loans
1.55%
Coverage
229.4%
True Loss Coverage
126.3%
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 13:58:32 UTC