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First State Bank

IDRSSD: 522454
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
67
/ 100
StableAs of 2025-Q1QoQ +2

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 #522454 2025-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.72% of assets (threshold 3%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 43.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +6
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +1
79
Sub-score

Liquidity is stable: brokered 4.4%, loans/deposits 63.0%, cash 1.7% of assets.

Cash / Assets
1.72%
Loans / Deposits
63.01%
Brokered %
4.35%

Watch Items

  • watchCash / Assets below 3% — Cash 1.72% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ 0
49
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.90%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.90%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ +6
73
Sub-score

Asset quality is stable: Adjusted NPL 2.89%, Texas Ratio 15.4%, NCO YTD 0.16%.

Adjusted NPL
2.89%
Govt-guarantees stripped
Texas Ratio
15.4%
NCO YTD
0.16%
30-89 PD
1.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.89% (govt-guarantees stripped).

Reserves

RiskQoQ 0
40
Sub-score

Reserves are weak: ALLL 1.48% of loans, coverage 52.1%, true coverage 43.8%.

ALLL / Loans
1.48%
Coverage
52.1%
True Loss Coverage
43.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 43.8% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-13 01:15:22 UTC