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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q2QoQ -3

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

Quarterly Headline

2025-Q2

Bank #509950 2025-Q2 Vital Signs Score: 67/100 — 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
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.1% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.73% of assets (threshold 3%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.2% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -14

The five pillars

Liquidity

WatchQoQ +1
57
Sub-score

Liquidity is deteriorating: brokered 14.0%, loans/deposits 100.2%, cash 1.7% of assets.

Cash / Assets
1.73%
Loans / Deposits
100.19%
Brokered %
14.03%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.73% 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 -2
67
Sub-score

Capital position is stable: Tier 1 RBC 11.38%, CET1 11.32%, leverage 8.77%.

Tier 1 RBC
11.38%
CET1
11.32%
Leverage
8.77%
No watch items at this period.

Asset Quality

StrongQoQ -2
82
Sub-score

Asset quality is strong: Adjusted NPL 1.95%, Texas Ratio 15.6%, NCO YTD 0.33%.

Adjusted NPL
1.95%
Govt-guarantees stripped
Texas Ratio
15.6%
NCO YTD
0.33%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.41%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -14
21
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 54.0%, true coverage 34.1%.

ALLL / Loans
1.04%
Coverage
54.0%
True Loss Coverage
34.1%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.1% (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