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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 — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #25647 2025-Q4 Vital Signs Score: 70/100 — 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. watch
    ALLL / NPL below 50%
    Reserves — Coverage 26.9% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 26.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.48% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -4
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 92.4%, cash 19.1% of assets.

Cash / Assets
19.11%
Loans / Deposits
92.44%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.58%
No watch items at this period.

Capitalization

StrongQoQ -2
97
Sub-score

Capital position is strong: Tier 1 RBC 14.01%, CET1 14.01%, leverage 10.94%.

Tier 1 RBC
14.01%
CET1
14.01%
Leverage
10.94%
No watch items at this period.

Asset Quality

RiskQoQ -11
37
Sub-score

Asset quality is weak: Adjusted NPL 4.48%, Texas Ratio 29.8%, NCO YTD 0.05%.

Adjusted NPL
4.48%
Govt-guarantees stripped
Texas Ratio
29.8%
NCO YTD
0.05%
30-89 PD
5.46%
Band 0.3% / 3.0%
90+ PD
1.43%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.48% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.43%.

Reserves

RiskQoQ -2
23
Sub-score

Reserves are weak: ALLL 1.19% of loans, coverage 26.9%, true coverage 26.9%.

ALLL / Loans
1.19%
Coverage
26.9%
True Loss Coverage
26.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 26.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 26.9% (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