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First State Bank

IDRSSD: 190947
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
98
/ 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 #190947 2026-Q1 Vital Signs Score: 98/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    — —
  • Securities
    ↓ -15
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 44.8%, cash 17.1% of assets.

Cash / Assets
17.07%
Loans / Deposits
44.75%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -15
85
Sub-score

Securities profile is strong: securities 24.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.43%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.20%, CET1 30.20%, leverage 11.79%.

Tier 1 RBC
30.20%
CET1
30.20%
Leverage
11.79%
No watch items at this period.

Asset Quality

StrongQoQ +5
99
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.1%, NCO YTD -0.01%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
-0.01%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.23% of loans, coverage 6173.7%, true coverage 6173.7%.

ALLL / Loans
2.23%
Coverage
6173.7%
True Loss Coverage
6173.7%
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: 2026-05-15 01:44:01 UTC