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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q4QoQ +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-Q4

Bank #509950 2024-Q4 Vital Signs Score: 72/100 — 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 1.46% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +13

The five pillars

Liquidity

WatchQoQ 0
56
Sub-score

Liquidity is deteriorating: brokered 16.1%, loans/deposits 99.5%, cash 1.5% of assets.

Cash / Assets
1.46%
Loans / Deposits
99.48%
Brokered %
16.06%

Watch Items

  • watchCash / Assets below 3% — Cash 1.46% 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
0.25%
No watch items at this period.

Capitalization

StableQoQ +6
68
Sub-score

Capital position is stable: Tier 1 RBC 11.44%, CET1 11.39%, leverage 8.70%.

Tier 1 RBC
11.44%
CET1
11.39%
Leverage
8.70%
No watch items at this period.

Asset Quality

StrongQoQ +1
86
Sub-score

Asset quality is strong: Adjusted NPL 1.45%, Texas Ratio 11.6%, NCO YTD 0.08%.

Adjusted NPL
1.45%
Govt-guarantees stripped
Texas Ratio
11.6%
NCO YTD
0.08%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.50%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +13
47
Sub-score

Reserves are deteriorating: ALLL 1.09% of loans, coverage 76.2%, true coverage 73.9%.

ALLL / Loans
1.09%
Coverage
76.2%
True Loss Coverage
73.9%
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