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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #640442 2026-Q1 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.59% of assets (threshold 3%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.1% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -1
61
Sub-score

Liquidity is stable: brokered 4.2%, loans/deposits 104.1%, cash 1.6% of assets.

Cash / Assets
1.59%
Loans / Deposits
104.12%
Brokered %
4.23%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.1% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.59% 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

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 10.49%.

Tier 1 RBC
—
CET1
0.00%
Leverage
10.49%

Watch Items

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

Asset Quality

StableQoQ +4
69
Sub-score

Asset quality is stable: Adjusted NPL 2.58%, Texas Ratio 19.9%, NCO YTD 0.00%.

Adjusted NPL
2.58%
Govt-guarantees stripped
Texas Ratio
19.9%
NCO YTD
0.00%
30-89 PD
1.02%
Band 0.3% / 3.0%
90+ PD
0.95%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.58% (govt-guarantees stripped).

Reserves

RiskQoQ -3
32
Sub-score

Reserves are weak: ALLL 1.20% of loans, coverage 47.3%, true coverage 47.3%.

ALLL / Loans
1.20%
Coverage
47.3%
True Loss Coverage
47.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.3% (Adjusted NPL + Performing Mods denominator).

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