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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-Q2

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

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q2QoQ -2

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 #509950 2024-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.69% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.8% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -2
54
Sub-score

Liquidity is deteriorating: brokered 15.3%, loans/deposits 103.8%, cash 1.7% of assets.

Cash / Assets
1.69%
Loans / Deposits
103.77%
Brokered %
15.27%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.8% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.69% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.24%
No watch items at this period.

Capitalization

StableQoQ -5
60
Sub-score

Capital position is stable: Tier 1 RBC 10.91%, CET1 10.86%, leverage 8.38%.

Tier 1 RBC
10.91%
CET1
10.86%
Leverage
8.38%
No watch items at this period.

Asset Quality

StrongQoQ +1
87
Sub-score

Asset quality is strong: Adjusted NPL 1.53%, Texas Ratio 12.8%, NCO YTD 0.05%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
12.8%
NCO YTD
0.05%
30-89 PD
0.52%
Band 0.3% / 3.0%
90+ PD
0.39%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
38
Sub-score

Reserves are weak: ALLL 1.07% of loans, coverage 71.1%, true coverage 60.3%.

ALLL / Loans
1.07%
Coverage
71.1%
True Loss Coverage
60.3%
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