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First Trust And Savings Bank

IDRSSD: 84046
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2023-Q4QoQ -12

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

Quarterly Headline

2023-Q4

Bank #84046 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.68% of assets (threshold 3%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.8% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -13
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 23.3%, cash 1.7% of assets.

Cash / Assets
1.68%
Loans / Deposits
23.30%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.68% 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

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 18.73%, CET1 18.73%, leverage 10.14%.

Tier 1 RBC
18.73%
CET1
18.73%
Leverage
10.14%
No watch items at this period.

Asset Quality

StrongQoQ -13
87
Sub-score

Asset quality is strong: Adjusted NPL 1.98%, Texas Ratio 3.7%, NCO YTD 0.00%.

Adjusted NPL
1.98%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.00%
30-89 PD
0.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
25
Sub-score

Reserves are weak: ALLL 0.98% of loans, coverage 49.8%, true coverage 49.8%.

ALLL / Loans
0.98%
Coverage
49.8%
True Loss Coverage
49.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.8% (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: 2026-05-15 05:04:19 UTC