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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-Q3

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

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q3QoQ -1

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 #509950 2024-Q3 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 1.70% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.3% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -5

The five pillars

Liquidity

WatchQoQ +1
55
Sub-score

Liquidity is deteriorating: brokered 15.0%, loans/deposits 102.3%, cash 1.7% of assets.

Cash / Assets
1.70%
Loans / Deposits
102.25%
Brokered %
15.04%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.3% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.70% 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 +1
62
Sub-score

Capital position is stable: Tier 1 RBC 11.03%, CET1 10.98%, leverage 8.39%.

Tier 1 RBC
11.03%
CET1
10.98%
Leverage
8.39%
No watch items at this period.

Asset Quality

StrongQoQ -2
85
Sub-score

Asset quality is strong: Adjusted NPL 1.76%, Texas Ratio 14.6%, NCO YTD 0.02%.

Adjusted NPL
1.76%
Govt-guarantees stripped
Texas Ratio
14.6%
NCO YTD
0.02%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.50%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -5
34
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 62.5%, true coverage 53.8%.

ALLL / Loans
1.09%
Coverage
62.5%
True Loss Coverage
53.8%
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