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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2025-Q3QoQ -11

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

Quarterly Headline

2025-Q3

Bank #377850 2025-Q3 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 16.4% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 17.0% (regulatory soft-warning level 50%).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 7.87% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -17
  • Securities
    — —
  • Capitalization
    ↓ -16
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -3

The five pillars

Liquidity

WatchQoQ -17
40
Sub-score

Liquidity is deteriorating: brokered 38.5%, loans/deposits 110.0%, cash 0.9% of assets.

Cash / Assets
0.89%
Loans / Deposits
110.04%
Brokered %
38.46%

Watch Items

  • watchBrokered deposits above 30% — Brokered 38.5% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 110.0% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.89% 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

StableQoQ -16
73
Sub-score

Capital position is stable: Tier 1 RBC 11.48%, CET1 11.48%, leverage 9.90%.

Tier 1 RBC
11.48%
CET1
11.48%
Leverage
9.90%
No watch items at this period.

Asset Quality

RiskQoQ -12
32
Sub-score

Asset quality is weak: Adjusted NPL 7.87%, Texas Ratio 64.2%, NCO YTD 0.03%.

Adjusted NPL
7.87%
Govt-guarantees stripped
Texas Ratio
64.2%
NCO YTD
0.03%
30-89 PD
2.45%
Band 0.3% / 3.0%
90+ PD
1.37%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 7.87% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 64.2% (industry watch band 50% / risk band 100%).
  • info90+ days past due elevated — 90+ PD 1.37%.

Reserves

RiskQoQ -3
27
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 17.0%, true coverage 16.4%.

ALLL / Loans
1.32%
Coverage
17.0%
True Loss Coverage
16.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 17.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 16.4% (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