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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-Q4

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

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q4QoQ -9

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 #377850 2024-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 146.3% (threshold 100%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.91% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.50%.

What changed this quarter

Compared to Q3 2024:
↓ -9 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -27

The five pillars

Liquidity

WatchQoQ +1
54
Sub-score

Liquidity is deteriorating: brokered 8.6%, loans/deposits 146.3%, cash 0.9% of assets.

Cash / Assets
0.91%
Loans / Deposits
146.32%
Brokered %
8.61%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 146.3% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.91% 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 15.55%, CET1 15.55%, leverage 14.27%.

Tier 1 RBC
15.55%
CET1
15.55%
Leverage
14.27%
No watch items at this period.

Asset Quality

WatchQoQ -22
53
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.87%, Texas Ratio 11.7%, NCO YTD 0.96%.

Adjusted NPL
1.87%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.96%
30-89 PD
2.80%
Band 0.3% / 3.0%
90+ PD
1.50%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.50%.

Reserves

RiskQoQ -27
37
Sub-score

Reserves are weak: ALLL 1.20% of loans, coverage 64.7%, true coverage 52.7%.

ALLL / Loans
1.20%
Coverage
64.7%
True Loss Coverage
52.7%
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