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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q2QoQ -10

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

Quarterly Headline

2025-Q2

Bank #377850 2025-Q2 Vital Signs Score: 64/100 — 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 117.0% (threshold 100%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.73% of assets (threshold 3%).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.14%.

What changed this quarter

Compared to Q1 2025:
↓ -10 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -23
  • Reserves
    ↓ -12

The five pillars

Liquidity

WatchQoQ +1
57
Sub-score

Liquidity is deteriorating: brokered 4.6%, loans/deposits 117.0%, cash 0.7% of assets.

Cash / Assets
0.73%
Loans / Deposits
117.04%
Brokered %
4.60%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 117.0% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.73% 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 -9
89
Sub-score

Capital position is strong: Tier 1 RBC 12.92%, CET1 12.92%, leverage 11.01%.

Tier 1 RBC
12.92%
CET1
12.92%
Leverage
11.01%
No watch items at this period.

Asset Quality

WatchQoQ -23
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.36%, Texas Ratio 18.4%, NCO YTD 0.72%.

Adjusted NPL
2.36%
Govt-guarantees stripped
Texas Ratio
18.4%
NCO YTD
0.72%
30-89 PD
8.16%
Band 0.3% / 3.0%
90+ PD
2.14%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.36% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.14%.

Reserves

RiskQoQ -12
30
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 50.8%, true coverage 44.7%.

ALLL / Loans
1.18%
Coverage
50.8%
True Loss Coverage
44.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.7% (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: 2026-05-12 16:36:57 UTC