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First Security Bank And Trust Company

IDRSSD: 377850
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2024-Q3QoQ -8

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

Quarterly Headline

2024-Q3

Bank #377850 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 141.0% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.08% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -28

The five pillars

Liquidity

WatchQoQ -3
54
Sub-score

Liquidity is deteriorating: brokered 9.9%, loans/deposits 141.0%, cash 1.1% of assets.

Cash / Assets
1.08%
Loans / Deposits
141.04%
Brokered %
9.90%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 141.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.08% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.57%, CET1 17.57%, leverage 16.94%.

Tier 1 RBC
17.57%
CET1
17.57%
Leverage
16.94%
No watch items at this period.

Asset Quality

StableQoQ -12
75
Sub-score

Asset quality is stable: Adjusted NPL 0.90%, Texas Ratio 4.7%, NCO YTD 0.39%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
4.7%
NCO YTD
0.39%
30-89 PD
6.04%
Band 0.3% / 3.0%
90+ PD
0.38%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -28
64
Sub-score

Reserves are stable: ALLL 1.14% of loans, coverage 129.0%, true coverage 82.2%.

ALLL / Loans
1.14%
Coverage
129.0%
True Loss Coverage
82.2%
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: 2026-05-12 16:36:57 UTC