Visbanking Logo
Skip to main content

First State Bank Of Van Orin

IDRSSD: 472148
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 -3

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 #472148 2025-Q1 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.38%.

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↑ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 27.2%, cash 37.6% of assets.

Cash / Assets
37.64%
Loans / Deposits
27.18%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.78%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.70%, CET1 24.70%, leverage 10.44%.

Tier 1 RBC
24.70%
CET1
24.70%
Leverage
10.44%
No watch items at this period.

Asset Quality

StableQoQ -13
72
Sub-score

Asset quality is stable: Adjusted NPL 1.38%, Texas Ratio 3.2%, NCO YTD 0.00%.

Adjusted NPL
1.38%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
0.00%
30-89 PD
1.80%
Band 0.3% / 3.0%
90+ PD
1.38%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.38%.

Reserves

StrongQoQ 0
83
Sub-score

Reserves are strong: ALLL 1.65% of loans, coverage 121.4%, true coverage 121.4%.

ALLL / Loans
1.65%
Coverage
121.4%
True Loss Coverage
121.4%
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: 2026-05-12 02:16:16 UTC