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First State Bank Of Forrest

IDRSSD: 980438
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
66
/ 100
StableAs of 2025-Q1QoQ -4

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 #980438 2025-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.3% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ 0
72
Sub-score

Liquidity is stable: brokered 2.2%, loans/deposits 102.3%, cash 5.4% of assets.

Cash / Assets
5.43%
Loans / Deposits
102.27%
Brokered %
2.20%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.02%
No watch items at this period.

Capitalization

StableQoQ -4
62
Sub-score

Capital position is stable: Tier 1 RBC 10.88%, CET1 10.88%, leverage 8.79%.

Tier 1 RBC
10.88%
CET1
10.88%
Leverage
8.79%
No watch items at this period.

Asset Quality

StableQoQ -9
68
Sub-score

Asset quality is stable: Adjusted NPL 1.93%, Texas Ratio 17.2%, NCO YTD 0.01%.

Adjusted NPL
1.93%
Govt-guarantees stripped
Texas Ratio
17.2%
NCO YTD
0.01%
30-89 PD
2.02%
Band 0.3% / 3.0%
90+ PD
0.93%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -7
25
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 50.8%, true coverage 50.1%.

ALLL / Loans
0.97%
Coverage
50.8%
True Loss Coverage
50.1%
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 10:56:27 UTC