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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-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 +1

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 #33147 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.46% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +12
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ +4
79
Sub-score

Liquidity is stable: brokered 7.4%, loans/deposits 86.0%, cash 6.3% of assets.

Cash / Assets
6.31%
Loans / Deposits
85.98%
Brokered %
7.44%
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 +12
64
Sub-score

Capital position is stable: Tier 1 RBC 11.08%, CET1 11.08%, leverage 8.64%.

Tier 1 RBC
11.08%
CET1
11.08%
Leverage
8.64%
No watch items at this period.

Asset Quality

StableQoQ -5
69
Sub-score

Asset quality is stable: Adjusted NPL 1.57%, Texas Ratio 12.5%, NCO YTD 1.46%.

Adjusted NPL
1.57%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
1.46%
30-89 PD
1.77%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.46% of loans.

Reserves

WatchQoQ -6
50
Sub-score

Reserves are deteriorating: ALLL 1.24% of loans, coverage 79.9%, true coverage 69.7%.

ALLL / Loans
1.24%
Coverage
79.9%
True Loss Coverage
69.7%
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