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First State Bank

IDRSSD: 565143
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
82
/ 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 #565143 2025-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.8% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.25% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.18% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +10
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
64
Sub-score

Liquidity is stable: brokered 8.8%, loans/deposits 91.0%, cash 1.2% of assets.

Cash / Assets
1.18%
Loans / Deposits
91.00%
Brokered %
8.79%

Watch Items

  • watchCash / Assets below 3% — Cash 1.18% 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

StrongQoQ 0
98
Sub-score

Capital position is strong: Tier 1 RBC 15.09%, CET1 15.09%, leverage 11.61%.

Tier 1 RBC
15.09%
CET1
15.09%
Leverage
11.61%
No watch items at this period.

Asset Quality

StrongQoQ +10
97
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.7%, NCO YTD 0.01%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.01%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 0.25% of loans, coverage 241.0%, true coverage 19.8%.

ALLL / Loans
0.25%
Coverage
241.0%
True Loss Coverage
19.8%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.8% (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%. 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: 2026-05-14 11:37:28 UTC