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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q1QoQ -3

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

Quarterly Headline

2024-Q1

Bank #33147 2024-Q1 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
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 Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -1
85
Sub-score

Liquidity is strong: brokered 13.3%, loans/deposits 82.3%, cash 11.8% of assets.

Cash / Assets
11.75%
Loans / Deposits
82.27%
Brokered %
13.32%
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
0.61%
No watch items at this period.

Capitalization

StableQoQ -10
76
Sub-score

Capital position is stable: Tier 1 RBC 11.48%, CET1 11.48%, leverage 9.10%.

Tier 1 RBC
11.48%
CET1
11.48%
Leverage
9.10%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.32%, Texas Ratio 2.3%, NCO YTD 0.09%.

Adjusted NPL
0.32%
Govt-guarantees stripped
Texas Ratio
2.3%
NCO YTD
0.09%
30-89 PD
0.69%
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 1.92% of loans, coverage 619.8%, true coverage 508.7%.

ALLL / Loans
1.92%
Coverage
619.8%
True Loss Coverage
508.7%
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