Visbanking Logo
Skip to main content

First Secure Bank And Trust Co

IDRSSD: 25647
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #25647 2025-Q1 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 20.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 20.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.95% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -1
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 83.0%, cash 20.5% of assets.

Cash / Assets
20.53%
Loans / Deposits
83.00%
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 0
93
Sub-score

Capital position is strong: Tier 1 RBC 13.49%, CET1 13.49%, leverage 9.75%.

Tier 1 RBC
13.49%
CET1
13.49%
Leverage
9.75%
No watch items at this period.

Asset Quality

RiskQoQ +2
28
Sub-score

Asset quality is weak: Adjusted NPL 5.95%, Texas Ratio 40.8%, NCO YTD -0.15%.

Adjusted NPL
5.95%
Govt-guarantees stripped
Texas Ratio
40.8%
NCO YTD
-0.15%
30-89 PD
3.15%
Band 0.3% / 3.0%
90+ PD
3.02%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.95% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.02%.

Reserves

RiskQoQ +1
24
Sub-score

Reserves are weak: ALLL 1.21% of loans, coverage 20.5%, true coverage 20.5%.

ALLL / Loans
1.21%
Coverage
20.5%
True Loss Coverage
20.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 20.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 20.5% (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