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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #509950 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.8% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.03% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +11
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +3
61
Sub-score

Liquidity is stable: brokered 13.1%, loans/deposits 95.1%, cash 2.0% of assets.

Cash / Assets
2.03%
Loans / Deposits
95.12%
Brokered %
13.15%

Watch Items

  • infoCash / Assets below 3% — Cash 2.03% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +11
79
Sub-score

Capital position is stable: Tier 1 RBC 12.29%, CET1 12.24%, leverage 9.41%.

Tier 1 RBC
12.29%
CET1
12.24%
Leverage
9.41%
No watch items at this period.

Asset Quality

StrongQoQ -1
85
Sub-score

Asset quality is strong: Adjusted NPL 1.58%, Texas Ratio 11.7%, NCO YTD 0.25%.

Adjusted NPL
1.58%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.25%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.57%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
24
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 65.1%, true coverage 37.8%.

ALLL / Loans
1.02%
Coverage
65.1%
True Loss Coverage
37.8%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.8% (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