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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-Q2

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

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q2QoQ -5

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 #25647 2024-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.85%.
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.8% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -13

The five pillars

Liquidity

StrongQoQ 0
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 87.5%, cash 11.9% of assets.

Cash / Assets
11.94%
Loans / Deposits
87.46%
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
0.52%
No watch items at this period.

Capitalization

StrongQoQ -2
95
Sub-score

Capital position is strong: Tier 1 RBC 13.62%, CET1 13.62%, leverage 10.51%.

Tier 1 RBC
13.62%
CET1
13.62%
Leverage
10.51%
No watch items at this period.

Asset Quality

WatchQoQ -11
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.37%, Texas Ratio 23.7%, NCO YTD 0.02%.

Adjusted NPL
3.37%
Govt-guarantees stripped
Texas Ratio
23.7%
NCO YTD
0.02%
30-89 PD
1.98%
Band 0.3% / 3.0%
90+ PD
2.85%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.37% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.85%.

Reserves

RiskQoQ -13
28
Sub-score

Reserves are weak: ALLL 1.26% of loans, coverage 37.8%, true coverage 36.1%.

ALLL / Loans
1.26%
Coverage
37.8%
True Loss Coverage
36.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.1% (Adjusted NPL + Performing Mods denominator).

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