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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q1QoQ -2

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

Quarterly Headline

2025-Q1

Bank #509950 2025-Q1 Vital Signs Score: 69/100 — 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 1.55% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -12

The five pillars

Liquidity

WatchQoQ +1
56
Sub-score

Liquidity is deteriorating: brokered 15.6%, loans/deposits 99.4%, cash 1.5% of assets.

Cash / Assets
1.55%
Loans / Deposits
99.44%
Brokered %
15.59%

Watch Items

  • watchCash / Assets below 3% — Cash 1.55% 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
69
Sub-score

Capital position is stable: Tier 1 RBC 11.49%, CET1 11.45%, leverage 8.86%.

Tier 1 RBC
11.49%
CET1
11.45%
Leverage
8.86%
No watch items at this period.

Asset Quality

StrongQoQ -3
83
Sub-score

Asset quality is strong: Adjusted NPL 1.51%, Texas Ratio 12.0%, NCO YTD 0.03%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
0.03%
30-89 PD
0.84%
Band 0.3% / 3.0%
90+ PD
0.57%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -12
35
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 73.8%, true coverage 49.4%.

ALLL / Loans
1.11%
Coverage
73.8%
True Loss Coverage
49.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.4% (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: 2026-05-13 16:42:59 UTC