Liquidity
StableQoQ +2
76
Sub-score
Liquidity is stable: brokered 1.0%, loans/deposits 90.9%, cash 4.2% of assets.
- Cash / Assets
- 4.18%
- Loans / Deposits
- 90.94%
- Brokered %
- 1.03%
No watch items at this period.
First International Bank And Trust
IDRSSD: 236153
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 -1
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 #236153 2024-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2024:
↓ -1 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization↓ -10
- Asset Quality↑ +2
- Reserves↑ +1
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.01%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -10
51
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.04%, CET1 10.04%, leverage 8.44%.
- Tier 1 RBC
- 10.04%
- CET1
- 10.04%
- Leverage
- 8.44%
No watch items at this period.
Asset Quality
StrongQoQ +2
97
Sub-score
Asset quality is strong: Adjusted NPL 0.68%, Texas Ratio 6.0%, NCO YTD 0.23%.
- Adjusted NPL
- 0.68%
- Texas Ratio
- 6.0%
- NCO YTD
- 0.23%
- 30-89 PD
- 0.12%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +1
76
Sub-score
Reserves are stable: ALLL 1.05% of loans, coverage 157.2%, true coverage 106.4%.
- ALLL / Loans
- 1.05%
- Coverage
- 157.2%
- True Loss Coverage
- 106.4%
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.tsfor 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 01:02:23 UTC