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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q3QoQ -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-Q3

Bank #33147 2025-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ -3
75
Sub-score

Liquidity is stable: brokered 7.8%, loans/deposits 93.7%, cash 6.5% of assets.

Cash / Assets
6.49%
Loans / Deposits
93.65%
Brokered %
7.80%
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

WatchQoQ -8
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.04%, CET1 10.04%, leverage 8.46%.

Tier 1 RBC
10.04%
CET1
10.04%
Leverage
8.46%
No watch items at this period.

Asset Quality

StableQoQ -3
74
Sub-score

Asset quality is stable: Adjusted NPL 1.83%, Texas Ratio 15.8%, NCO YTD 0.83%.

Adjusted NPL
1.83%
Govt-guarantees stripped
Texas Ratio
15.8%
NCO YTD
0.83%
30-89 PD
1.41%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +6
56
Sub-score

Reserves are deteriorating: ALLL 1.44% of loans, coverage 79.8%, true coverage 68.9%.

ALLL / Loans
1.44%
Coverage
79.8%
True Loss Coverage
68.9%
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