Visbanking Logo
Skip to main content

First State Bank Of Beecher City

IDRSSD: 601041
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
92
/ 100
StrongAs of 2025-Q1QoQ +2

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 #601041 2025-Q1 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.64% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +3
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 83.0%, cash 2.6% of assets.

Cash / Assets
2.64%
Loans / Deposits
83.00%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.64% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.34%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.09%, CET1 21.09%, leverage 14.55%.

Tier 1 RBC
21.09%
CET1
21.09%
Leverage
14.55%
No watch items at this period.

Asset Quality

StrongQoQ +4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.36%, Texas Ratio 1.7%, NCO YTD -0.03%.

Adjusted NPL
0.36%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
-0.03%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
87
Sub-score

Reserves are strong: ALLL 1.66% of loans, coverage 463.6%, true coverage 72.0%.

ALLL / Loans
1.66%
Coverage
463.6%
True Loss Coverage
72.0%
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: 2026-05-14 08:38:54 UTC