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First State Bank Of Beecher City

IDRSSD: 601041
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
88
/ 100
StrongAs of 2025-Q4QoQ -3

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 #601041 2025-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ +3
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 87.2%, cash 3.1% of assets.

Cash / Assets
3.13%
Loans / Deposits
87.23%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.38%, CET1 22.38%, leverage 15.37%.

Tier 1 RBC
22.38%
CET1
22.38%
Leverage
15.37%
No watch items at this period.

Asset Quality

StrongQoQ -7
86
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 4.8%, NCO YTD 0.60%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.60%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -13
72
Sub-score

Reserves are stable: ALLL 1.77% of loans, coverage 166.0%, true coverage 57.9%.

ALLL / Loans
1.77%
Coverage
166.0%
True Loss Coverage
57.9%
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