Visbanking Logo
Skip to main content

First State Bank Of Michigan

IDRSSD: 654047
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
67
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #654047 2025-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 34.7% of deposits (threshold 30%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.46%.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -16

The five pillars

Liquidity

StrongQoQ -12
80
Sub-score

Liquidity is strong: brokered 34.7%, loans/deposits 67.0%, cash 31.1% of assets.

Cash / Assets
31.06%
Loans / Deposits
66.96%
Brokered %
34.72%

Watch Items

  • infoBrokered deposits above 30% — Brokered 34.7% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 17.32%.

Tier 1 RBC
—
CET1
0.00%
Leverage
17.32%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +2
69
Sub-score

Asset quality is stable: Adjusted NPL 2.00%, Texas Ratio 7.0%, NCO YTD 0.01%.

Adjusted NPL
2.00%
Govt-guarantees stripped
Texas Ratio
7.0%
NCO YTD
0.01%
30-89 PD
1.35%
Band 0.3% / 3.0%
90+ PD
1.46%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.46%.

Reserves

WatchQoQ -16
43
Sub-score

Reserves are deteriorating: ALLL 1.23% of loans, coverage 62.6%, true coverage 62.6%.

ALLL / Loans
1.23%
Coverage
62.6%
True Loss Coverage
62.6%
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 14:02:54 UTC