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First State Bank

IDRSSD: 190947
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 190947 held $130.3M in total assets as of 2026-03-31 (+1.3% quarter-over-quarter). Total loans stood at $51.4M (-9.8% QoQ) and total deposits at $114.8M (+1.2% QoQ).

Overall position is strong — the composite Health Score is 74/100 (Strong). Tier 1 / RWA stands at 30.20%, in the top quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

3 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
74/100
Strong
Active Alerts
3
1 critical, 0 warning
Total Assets
$130.3M
+1.3% QoQ
Total Loans
$51.4M
-9.8% QoQ
Total Deposits
$114.8M
+1.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
30.20%
88th pctile · n=208↑ better
+467 bp QoQ
CET1 / RWA
30.20%
95th pctile · n=500↑ better
+468 bp QoQ
Total RBC / RWA
31.46%
88th pctile · n=208↑ better
+468 bp QoQ
Tier 1 Leverage Ratio
30.20%
95th pctile · n=500↑ better
+468 bp QoQ

Liquidity

Cash / Assets
17.07%
88th pctile · n=500↑ better
-1464 bp QoQ
Loans / Deposits
44.75%
12th pctile · n=493↓ better
-544 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.04%
28th pctile · n=500↓ better
NPA / Assets
0.01%
24th pctile · n=500↓ better
Texas Ratio (regulatory)
0.12%
24th pctile · n=500↓ better
Net Charge-Offs / Avg Loans
-0.01%
17th pctile · n=500↓ better
-5 bp QoQ
ALLL Coverage of NPL
6173.68%
97th pctile · n=500↑ better

Earnings

Net Interest Margin
3.77%
43th pctile · n=500↑ better
-37 bp QoQ
Return on Assets
1.12%
49th pctile · n=500↑ better
+14 bp QoQ
Return on Equity
9.67%
46th pctile · n=500↑ better
+142 bp QoQ
Efficiency Ratio
61.57%
36th pctile · n=500↓ better
-96 bp QoQ
Pre-tax NOI / Avg Assets
1.47%
62th pctile · n=500↑ better
+18 bp QoQ

Funding

Brokered / Deposits
0.00%
34th pctile · n=493↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
29th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
40.98%
86th pctile · n=500↑ better
+2143 bp QoQ
AFS Securities / Assets
40.98%
89th pctile · n=500↑ better
+2143 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 01:44:21 UTC