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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-Q4

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

Synthesis

Vital Signs Score
69
/ 100
StableAs 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 #980438 2025-Q4 Vital Signs Score: 69/100 — 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 101.5% (threshold 100%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +3
75
Sub-score

Liquidity is stable: brokered 3.2%, loans/deposits 101.5%, cash 6.6% of assets.

Cash / Assets
6.62%
Loans / Deposits
101.53%
Brokered %
3.22%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.5% (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
0.01%
No watch items at this period.

Capitalization

StableQoQ +5
65
Sub-score

Capital position is stable: Tier 1 RBC 11.17%, CET1 11.17%, leverage 8.97%.

Tier 1 RBC
11.17%
CET1
11.17%
Leverage
8.97%
No watch items at this period.

Asset Quality

StableQoQ +2
77
Sub-score

Asset quality is stable: Adjusted NPL 1.73%, Texas Ratio 15.1%, NCO YTD 0.14%.

Adjusted NPL
1.73%
Govt-guarantees stripped
Texas Ratio
15.1%
NCO YTD
0.14%
30-89 PD
1.35%
Band 0.3% / 3.0%
90+ PD
0.66%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
22
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 50.5%, true coverage 49.9%.

ALLL / Loans
0.87%
Coverage
50.5%
True Loss Coverage
49.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.9% (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 10:56:27 UTC