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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 — 2025-Q1

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

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q1QoQ +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-Q1

Bank #377850 2025-Q1 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.78% of assets (threshold 3%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 114.7% (threshold 100%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.25%.

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +14
  • Reserves
    ↑ +5

The five pillars

Liquidity

WatchQoQ +2
56
Sub-score

Liquidity is deteriorating: brokered 5.7%, loans/deposits 114.7%, cash 0.8% of assets.

Cash / Assets
0.78%
Loans / Deposits
114.71%
Brokered %
5.73%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 114.7% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.78% 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

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 14.31%, CET1 14.31%, leverage 12.43%.

Tier 1 RBC
14.31%
CET1
14.31%
Leverage
12.43%
No watch items at this period.

Asset Quality

StableQoQ +14
67
Sub-score

Asset quality is stable: Adjusted NPL 1.63%, Texas Ratio 11.6%, NCO YTD 0.11%.

Adjusted NPL
1.63%
Govt-guarantees stripped
Texas Ratio
11.6%
NCO YTD
0.11%
30-89 PD
2.42%
Band 0.3% / 3.0%
90+ PD
1.25%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.25%.

Reserves

WatchQoQ +5
42
Sub-score

Reserves are deteriorating: ALLL 1.18% of loans, coverage 73.2%, true coverage 60.0%.

ALLL / Loans
1.18%
Coverage
73.2%
True Loss Coverage
60.0%
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