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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2025-Q2QoQ +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-Q2

Bank #426141 2025-Q2 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Asset Quality (strong).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.17%.

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↓ -1
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ -5
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 31.5%, cash 7.5% of assets.

Cash / Assets
7.47%
Loans / Deposits
31.46%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -1
86
Sub-score

Securities profile is strong: securities 24.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.26%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 41.98%, CET1 41.98%, leverage 17.55%.

Tier 1 RBC
41.98%
CET1
41.98%
Leverage
17.55%
No watch items at this period.

Asset Quality

StrongQoQ +5
84
Sub-score

Asset quality is strong: Adjusted NPL 1.17%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
1.17%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.17%.

Reserves

StrongQoQ +8
87
Sub-score

Reserves are strong: ALLL 1.63% of loans, coverage 141.5%, true coverage 112.7%.

ALLL / Loans
1.63%
Coverage
141.5%
True Loss Coverage
112.7%
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 09:16:46 UTC