Liquidity
Strong
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 6.7%, cash 12.0% of assets.
- Cash / Assets
- 11.98%
- Loans / Deposits
- 6.68%
- Brokered %
- 0.00%
No watch items at this period.
First State Bank
IDRSSD: 497655
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q3
Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
85
/ 100
StrongAs of 2025-Q3QoQ +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-Q3
Bank #497655 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).
Liquidity:Strong
Securities:Risk
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 Q2 2025:
↑ +3 ptscomposite
- Liquidity— —
- Securities— —
- Capitalization— —
- Asset Quality↑ +12
- Reserves— —
The five pillars
Securities
Risk
0
Sub-score
Securities profile is weak: securities 79.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 79.84%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 56.87%, CET1 56.87%, leverage 13.95%.
- Tier 1 RBC
- 56.87%
- CET1
- 56.87%
- Leverage
- 13.95%
No watch items at this period.
Asset Quality
StrongQoQ +12
100
Sub-score
Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.0%, NCO YTD -0.11%.
- Adjusted NPL
- 0.08%
- Texas Ratio
- 0.0%
- NCO YTD
- -0.11%
- 30-89 PD
- 0.02%
- 90+ PD
- 0.05%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
Strong
100
Sub-score
Reserves are strong: ALLL 10.75% of loans, coverage 14987.5%, true coverage 2497.9%.
- ALLL / Loans
- 10.75%
- Coverage
- 14987.5%
- True Loss Coverage
- 2497.9%
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.tsfor 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 02:46:43 UTC