Visbanking Logo
Skip to main content

Fm Bank And Trust

IDRSSD: 33147
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
84
/ 100
StrongAs 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 #33147 2025-Q1 Vital Signs Score: 84/100 — 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 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ +2
86
Sub-score

Liquidity is strong: brokered 9.1%, loans/deposits 82.1%, cash 9.1% of assets.

Cash / Assets
9.07%
Loans / Deposits
82.13%
Brokered %
9.06%
No watch items at this period.

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 +5
64
Sub-score

Capital position is stable: Tier 1 RBC 11.10%, CET1 11.10%, leverage 8.63%.

Tier 1 RBC
11.10%
CET1
11.10%
Leverage
8.63%
No watch items at this period.

Asset Quality

StrongQoQ -8
90
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 8.7%, NCO YTD 0.31%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.31%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -11
89
Sub-score

Reserves are strong: ALLL 1.68% of loans, coverage 148.8%, true coverage 115.6%.

ALLL / Loans
1.68%
Coverage
148.8%
True Loss Coverage
115.6%
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