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First State Bank Of Middlebury

IDRSSD: 967046
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
87
/ 100
StrongAs 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 #967046 2026-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.48% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ 0
66
Sub-score

Liquidity is stable: brokered 2.7%, loans/deposits 97.0%, cash 1.5% of assets.

Cash / Assets
1.48%
Loans / Deposits
97.01%
Brokered %
2.74%

Watch Items

  • watchCash / Assets below 3% — Cash 1.48% of assets (threshold 3%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.54%, CET1 16.54%, leverage 13.18%.

Tier 1 RBC
16.54%
CET1
16.54%
Leverage
13.18%
No watch items at this period.

Asset Quality

StrongQoQ +1
89
Sub-score

Asset quality is strong: Adjusted NPL 1.65%, Texas Ratio 8.6%, NCO YTD 0.00%.

Adjusted NPL
1.65%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.00%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.18%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
79
Sub-score

Reserves are stable: ALLL 1.68% of loans, coverage 103.4%, true coverage 101.7%.

ALLL / Loans
1.68%
Coverage
103.4%
True Loss Coverage
101.7%
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 17:12:59 UTC