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First State Bank Of Campbell Hill

IDRSSD: 698546
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
81
/ 100
StrongAs of 2025-Q4QoQ -13

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 #698546 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.37%.

What changed this quarter

Compared to Q3 2025:
↓ -13 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -55

The five pillars

Liquidity

StrongQoQ -1
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 75.6%, cash 8.6% of assets.

Cash / Assets
8.57%
Loans / Deposits
75.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.93%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.37%, CET1 21.37%, leverage 13.21%.

Tier 1 RBC
21.37%
CET1
21.37%
Leverage
13.21%
No watch items at this period.

Asset Quality

StableQoQ -17
71
Sub-score

Asset quality is stable: Adjusted NPL 1.57%, Texas Ratio 7.4%, NCO YTD 0.00%.

Adjusted NPL
1.57%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.00%
30-89 PD
1.60%
Band 0.3% / 3.0%
90+ PD
1.37%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.37%.

Reserves

RiskQoQ -55
26
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 58.7%, true coverage 51.6%.

ALLL / Loans
0.92%
Coverage
58.7%
True Loss Coverage
51.6%
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 07:52:15 UTC