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First State Bank

IDRSSD: 965051
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
80
/ 100
StableAs of 2025-Q2QoQ -7

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 #965051 2025-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.03%.

What changed this quarter

Compared to Q1 2025:
↓ -7 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -27
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 57.6%, cash 16.0% of assets.

Cash / Assets
16.00%
Loans / Deposits
57.64%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.97%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.25%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.25%

Watch Items

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

Asset Quality

StableQoQ -27
69
Sub-score

Asset quality is stable: Adjusted NPL 1.20%, Texas Ratio 4.2%, NCO YTD 0.05%.

Adjusted NPL
1.20%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.05%
30-89 PD
5.27%
Band 0.3% / 3.0%
90+ PD
1.03%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.03%.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.92% of loans, coverage 250.2%, true coverage 248.8%.

ALLL / Loans
2.92%
Coverage
250.2%
True Loss Coverage
248.8%
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: 2026-05-15 09:18:12 UTC