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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 — 2024-Q2

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

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q2QoQ -8

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 #139843 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.11% of loans.

What changed this quarter

Compared to Q1 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -9

The five pillars

Liquidity

StableQoQ -3
68
Sub-score

Liquidity is stable: brokered 12.0%, loans/deposits 88.0%, cash 3.1% of assets.

Cash / Assets
3.06%
Loans / Deposits
88.01%
Brokered %
11.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.52%
No watch items at this period.

Capitalization

StableQoQ -11
77
Sub-score

Capital position is stable: Tier 1 RBC 11.93%, CET1 11.93%, leverage 9.52%.

Tier 1 RBC
11.93%
CET1
11.93%
Leverage
9.52%
No watch items at this period.

Asset Quality

StableQoQ -13
77
Sub-score

Asset quality is stable: Adjusted NPL 0.98%, Texas Ratio 6.8%, NCO YTD 3.11%.

Adjusted NPL
0.98%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
3.11%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.11% of loans.

Reserves

StrongQoQ -9
80
Sub-score

Reserves are strong: ALLL 1.33% of loans, coverage 136.9%, true coverage 134.0%.

ALLL / Loans
1.33%
Coverage
136.9%
True Loss Coverage
134.0%
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: 2026-05-14 13:58:32 UTC