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First State Bank

IDRSSD: 565143
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Vital Signs Report

5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2026-Q1QoQ +6

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 #565143 2026-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.3% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.25% of loans.

What changed this quarter

Compared to Q4 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +21
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +21

The five pillars

Liquidity

StrongQoQ +21
91
Sub-score

Liquidity is strong: brokered 7.8%, loans/deposits 78.4%, cash 15.2% of assets.

Cash / Assets
15.16%
Loans / Deposits
78.39%
Brokered %
7.83%
No watch items at this period.

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.22%, CET1 16.22%, leverage 11.89%.

Tier 1 RBC
16.22%
CET1
16.22%
Leverage
11.89%
No watch items at this period.

Asset Quality

StrongQoQ -4
91
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.6%, NCO YTD 0.05%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.05%
30-89 PD
1.78%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +21
33
Sub-score

Reserves are weak: ALLL 0.25% of loans, coverage 249.8%, true coverage 21.3%.

ALLL / Loans
0.25%
Coverage
249.8%
True Loss Coverage
21.3%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.3% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.25% of loans.

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%. Pillars with no available metrics are dropped from the denominator (renormalised). See functions/src/vitalSignsScore.ts for exact formula and sub-score band anchors.
Pillar status
Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
Watch Items
Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
Adjusted NPL
Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
True Loss Coverage Ratio
ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
Past-due 30-89 / 90+ PD
Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.

Generated: 2026-05-14 11:37:28 UTC