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First State Bank And Trust Company Inc

IDRSSD: 489548
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
WatchAs of 2025-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

2025-Q4

Bank #489548 2025-Q4 Vital Signs Score: 60/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 36.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.5% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -20

The five pillars

Liquidity

StableQoQ +5
71
Sub-score

Liquidity is stable: brokered 9.7%, loans/deposits 81.9%, cash 2.7% of assets.

Cash / Assets
2.75%
Loans / Deposits
81.89%
Brokered %
9.69%

Watch Items

  • infoCash / Assets below 3% — Cash 2.75% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.75%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.15%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.15%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -29
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.55%, Texas Ratio 19.2%, NCO YTD 0.20%.

Adjusted NPL
3.55%
Govt-guarantees stripped
Texas Ratio
19.2%
NCO YTD
0.20%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
1.90%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.55% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.90%.

Reserves

RiskQoQ -20
30
Sub-score

Reserves are weak: ALLL 1.31% of loans, coverage 37.5%, true coverage 36.5%.

ALLL / Loans
1.31%
Coverage
37.5%
True Loss Coverage
36.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 36.5% (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: 2026-05-14 17:18:30 UTC