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First United Bank And Trust Company

IDRSSD: 509950
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q1QoQ -4

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

Quarterly Headline

2024-Q1

Bank #509950 2024-Q1 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.73% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -21

The five pillars

Liquidity

WatchQoQ -2
56
Sub-score

Liquidity is deteriorating: brokered 17.1%, loans/deposits 97.7%, cash 1.7% of assets.

Cash / Assets
1.73%
Loans / Deposits
97.67%
Brokered %
17.13%

Watch Items

  • watchCash / Assets below 3% — Cash 1.73% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.07%
No watch items at this period.

Capitalization

StableQoQ +2
66
Sub-score

Capital position is stable: Tier 1 RBC 10.87%, CET1 10.83%, leverage 8.38%.

Tier 1 RBC
10.87%
CET1
10.83%
Leverage
8.38%
No watch items at this period.

Asset Quality

StrongQoQ -5
85
Sub-score

Asset quality is strong: Adjusted NPL 1.60%, Texas Ratio 13.3%, NCO YTD 0.00%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
13.3%
NCO YTD
0.00%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.42%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -21
42
Sub-score

Reserves are deteriorating: ALLL 1.10% of loans, coverage 69.2%, true coverage 67.1%.

ALLL / Loans
1.10%
Coverage
69.2%
True Loss Coverage
67.1%
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: 2026-05-13 16:42:59 UTC