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First Texas Bank

IDRSSD: 444350
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q3QoQ +13

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #444350 2025-Q3 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.48% of loans.

What changed this quarter

Compared to Q2 2025:
↑ +13 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    ↑ +8
  • Capitalization
    — —
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +59

The five pillars

Liquidity

StrongQoQ +3
99
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 48.1%, cash 9.8% of assets.

Cash / Assets
9.77%
Loans / Deposits
48.14%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ +8
35
Sub-score

Securities profile is weak: securities 39.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
39.62%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 19.16%, CET1 19.16%, leverage 10.83%.

Tier 1 RBC
19.16%
CET1
19.16%
Leverage
10.83%
No watch items at this period.

Asset Quality

StrongQoQ +8
100
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.1%, NCO YTD 0.01%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
0.01%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +59
67
Sub-score

Reserves are stable: ALLL 0.48% of loans, coverage 2255.2%, true coverage 2255.2%.

ALLL / Loans
0.48%
Coverage
2255.2%
True Loss Coverage
2255.2%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.48% 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 11:26:58 UTC