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First State Bank Of St Peter

IDRSSD: 426141
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
90
/ 100
StrongAs of 2025-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

2025-Q1

Bank #426141 2025-Q1 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.34%.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -21

The five pillars

Liquidity

StrongQoQ +14
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 29.7%, cash 9.8% of assets.

Cash / Assets
9.82%
Loans / Deposits
29.68%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +6
86
Sub-score

Securities profile is strong: securities 24.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.05%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 41.52%, CET1 41.52%, leverage 17.68%.

Tier 1 RBC
41.52%
CET1
41.52%
Leverage
17.68%
No watch items at this period.

Asset Quality

StableQoQ +2
79
Sub-score

Asset quality is stable: Adjusted NPL 1.64%, Texas Ratio 2.3%, NCO YTD -0.05%.

Adjusted NPL
1.64%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
-0.05%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
1.34%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.34%.

Reserves

StableQoQ -21
79
Sub-score

Reserves are stable: ALLL 1.67% of loans, coverage 103.9%, true coverage 103.9%.

ALLL / Loans
1.67%
Coverage
103.9%
True Loss Coverage
103.9%
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 09:16:46 UTC