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First State Bank

IDRSSD: 435750
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
88
/ 100
StrongAs of 2025-Q2QoQ +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-Q2

Bank #435750 2025-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +9
  • Asset Quality
    ↑ +11
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ +2
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 57.0%, cash 4.5% of assets.

Cash / Assets
4.48%
Loans / Deposits
56.99%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.67%
No watch items at this period.

Capitalization

StrongQoQ +9
93
Sub-score

Capital position is strong: Tier 1 RBC 13.77%, CET1 13.77%, leverage 9.50%.

Tier 1 RBC
13.77%
CET1
13.77%
Leverage
9.50%
No watch items at this period.

Asset Quality

StrongQoQ +11
89
Sub-score

Asset quality is strong: Adjusted NPL 1.60%, Texas Ratio 7.9%, NCO YTD -0.04%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
-0.04%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -17
68
Sub-score

Reserves are stable: ALLL 1.42% of loans, coverage 89.9%, true coverage 89.5%.

ALLL / Loans
1.42%
Coverage
89.9%
True Loss Coverage
89.5%
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 01:04:44 UTC