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Fm Bank And Trust

IDRSSD: 33147
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2023-Q4QoQ +10

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

Quarterly Headline

2023-Q4

Bank #33147 2023-Q4 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↑ +10 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +23
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +8
86
Sub-score

Liquidity is strong: brokered 10.9%, loans/deposits 83.8%, cash 10.1% of assets.

Cash / Assets
10.10%
Loans / Deposits
83.75%
Brokered %
10.92%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.63%
No watch items at this period.

Capitalization

StrongQoQ 0
85
Sub-score

Capital position is strong: Tier 1 RBC 12.30%, CET1 12.30%, leverage 9.43%.

Tier 1 RBC
12.30%
CET1
12.30%
Leverage
9.43%
No watch items at this period.

Asset Quality

StrongQoQ +23
99
Sub-score

Asset quality is strong: Adjusted NPL 0.16%, Texas Ratio 1.1%, NCO YTD 0.01%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.01%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.00% of loans, coverage 1240.5%, true coverage 858.8%.

ALLL / Loans
2.00%
Coverage
1240.5%
True Loss Coverage
858.8%
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: 2026-05-12 01:04:27 UTC