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First Secure Bank And Trust Co

IDRSSD: 25647
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
78
/ 100
StableAs of 2024-Q1QoQ +2

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 #25647 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.48%.

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ 0
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 87.5%, cash 11.7% of assets.

Cash / Assets
11.67%
Loans / Deposits
87.50%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.51%
No watch items at this period.

Capitalization

StrongQoQ +1
97
Sub-score

Capital position is strong: Tier 1 RBC 13.32%, CET1 13.32%, leverage 10.17%.

Tier 1 RBC
13.32%
CET1
13.32%
Leverage
10.17%
No watch items at this period.

Asset Quality

WatchQoQ +4
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.99%, Texas Ratio 14.3%, NCO YTD 0.02%.

Adjusted NPL
1.99%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
0.02%
30-89 PD
4.12%
Band 0.3% / 3.0%
90+ PD
1.48%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.48%.

Reserves

WatchQoQ +4
42
Sub-score

Reserves are deteriorating: ALLL 1.25% of loans, coverage 63.5%, true coverage 58.6%.

ALLL / Loans
1.25%
Coverage
63.5%
True Loss Coverage
58.6%
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 06:15:36 UTC