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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2026-Q1QoQ +1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #980438 2026-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.2% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.3% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +6
81
Sub-score

Liquidity is strong: brokered 3.3%, loans/deposits 98.8%, cash 8.8% of assets.

Cash / Assets
8.83%
Loans / Deposits
98.83%
Brokered %
3.29%
No watch items at this period.

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 +3
68
Sub-score

Capital position is stable: Tier 1 RBC 11.42%, CET1 11.42%, leverage 8.96%.

Tier 1 RBC
11.42%
CET1
11.42%
Leverage
8.96%
No watch items at this period.

Asset Quality

StableQoQ -6
71
Sub-score

Asset quality is stable: Adjusted NPL 1.96%, Texas Ratio 17.0%, NCO YTD 0.18%.

Adjusted NPL
1.96%
Govt-guarantees stripped
Texas Ratio
17.0%
NCO YTD
0.18%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
0.97%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
23
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 48.3%, true coverage 48.2%.

ALLL / Loans
0.94%
Coverage
48.3%
True Loss Coverage
48.2%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.2% (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