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First Trust And Savings Bank

IDRSSD: 640442
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2024-Q2QoQ -9

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

Quarterly Headline

2024-Q2

Bank #640442 2024-Q2 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.95% of assets (threshold 3%).
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.0% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -9 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ -28

The five pillars

Liquidity

WatchQoQ 0
58
Sub-score

Liquidity is deteriorating: brokered 3.9%, loans/deposits 109.0%, cash 1.0% of assets.

Cash / Assets
0.95%
Loans / Deposits
108.97%
Brokered %
3.86%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.0% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.95% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.38%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.39%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.39%

Watch Items

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

Asset Quality

StableQoQ -20
69
Sub-score

Asset quality is stable: Adjusted NPL 1.83%, Texas Ratio 14.3%, NCO YTD 0.05%.

Adjusted NPL
1.83%
Govt-guarantees stripped
Texas Ratio
14.3%
NCO YTD
0.05%
30-89 PD
2.27%
Band 0.3% / 3.0%
90+ PD
0.87%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -28
42
Sub-score

Reserves are deteriorating: ALLL 1.17% of loans, coverage 64.8%, true coverage 64.8%.

ALLL / Loans
1.17%
Coverage
64.8%
True Loss Coverage
64.8%
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: 2026-05-14 17:14:39 UTC