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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q3QoQ -5

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

Quarterly Headline

2024-Q3

Bank #84046 2024-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 32.2% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.2% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.67% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -20
78
Sub-score

Liquidity is stable: brokered 1.5%, loans/deposits 30.9%, cash 1.4% of assets.

Cash / Assets
1.42%
Loans / Deposits
30.91%
Brokered %
1.50%

Watch Items

  • watchCash / Assets below 3% — Cash 1.42% 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 +2
100
Sub-score

Capital position is strong: Tier 1 RBC 19.81%, CET1 19.81%, leverage 10.34%.

Tier 1 RBC
19.81%
CET1
19.81%
Leverage
10.34%
No watch items at this period.

Asset Quality

WatchQoQ -5
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.67%, Texas Ratio 7.4%, NCO YTD 0.00%.

Adjusted NPL
3.67%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
0.00%
30-89 PD
2.00%
Band 0.3% / 3.0%
90+ PD
1.90%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.67% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.90%.

Reserves

RiskQoQ -4
23
Sub-score

Reserves are weak: ALLL 1.17% of loans, coverage 32.2%, true coverage 32.2%.

ALLL / Loans
1.17%
Coverage
32.2%
True Loss Coverage
32.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 32.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.2% (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