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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-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

2024-Q4

Bank #25647 2024-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 18.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.29% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +3
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.7%, cash 19.2% of assets.

Cash / Assets
19.16%
Loans / Deposits
80.74%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.24%
No watch items at this period.

Capitalization

StrongQoQ +1
93
Sub-score

Capital position is strong: Tier 1 RBC 13.50%, CET1 13.50%, leverage 9.82%.

Tier 1 RBC
13.50%
CET1
13.50%
Leverage
9.82%
No watch items at this period.

Asset Quality

RiskQoQ -8
26
Sub-score

Asset quality is weak: Adjusted NPL 6.29%, Texas Ratio 43.6%, NCO YTD 0.28%.

Adjusted NPL
6.29%
Govt-guarantees stripped
Texas Ratio
43.6%
NCO YTD
0.28%
30-89 PD
3.45%
Band 0.3% / 3.0%
90+ PD
3.67%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.29% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.67%.

Reserves

RiskQoQ -3
22
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 18.7%, true coverage 18.7%.

ALLL / Loans
1.16%
Coverage
18.7%
True Loss Coverage
18.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.7% (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