Visbanking Logo
Skip to main content

First State Bank

IDRSSD: 854847
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
74
/ 100
StableAs of 2025-Q2QoQ -6

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 #854847 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -3
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -34

The five pillars

Liquidity

StrongQoQ 0
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.0%, cash 6.1% of assets.

Cash / Assets
6.08%
Loans / Deposits
59.01%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ -3
94
Sub-score

Securities profile is strong: securities 21.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.73%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 11.50%.

Tier 1 RBC
—
CET1
0.00%
Leverage
11.50%

Watch Items

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

Asset Quality

StrongQoQ -1
95
Sub-score

Asset quality is strong: Adjusted NPL 0.89%, Texas Ratio 3.4%, NCO YTD 0.02%.

Adjusted NPL
0.89%
Govt-guarantees stripped
Texas Ratio
3.4%
NCO YTD
0.02%
30-89 PD
0.45%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -34
36
Sub-score

Reserves are weak: ALLL 0.69% of loans, coverage 78.6%, true coverage 78.6%.

ALLL / Loans
0.69%
Coverage
78.6%
True Loss Coverage
78.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% 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 05:49:30 UTC