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First State Bank

IDRSSD: 524766
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-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

2024-Q1

Bank #524766 2024-Q1 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.42% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ +1
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 65.2%, cash 12.2% of assets.

Cash / Assets
12.23%
Loans / Deposits
65.19%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.67%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.42%, CET1 24.42%, leverage 15.63%.

Tier 1 RBC
24.42%
CET1
24.42%
Leverage
15.63%
No watch items at this period.

Asset Quality

StableQoQ 0
76
Sub-score

Asset quality is stable: Adjusted NPL 3.42%, Texas Ratio 10.3%, NCO YTD -0.11%.

Adjusted NPL
3.42%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
-0.11%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.42% (govt-guarantees stripped).

Reserves

StableQoQ +7
68
Sub-score

Reserves are stable: ALLL 2.86% of loans, coverage 86.2%, true coverage 86.2%.

ALLL / Loans
2.86%
Coverage
86.2%
True Loss Coverage
86.2%
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: 2026-05-12 20:15:11 UTC