Visbanking Logo
Skip to main content

Forest Park National Bank And Trust Company

IDRSSD: 926632
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
76
/ 100
StableAs of 2025-Q1QoQ -5

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 #926632 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -16

The five pillars

Liquidity

StableQoQ -5
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 85.9%, cash 3.3% of assets.

Cash / Assets
3.27%
Loans / Deposits
85.95%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.41%
No watch items at this period.

Capitalization

WatchQoQ 0
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.32%, CET1 10.32%, leverage 8.07%.

Tier 1 RBC
10.32%
CET1
10.32%
Leverage
8.07%
No watch items at this period.

Asset Quality

StrongQoQ -8
85
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 7.6%, NCO YTD 0.00%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.00%
30-89 PD
2.19%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -16
73
Sub-score

Reserves are stable: ALLL 1.15% of loans, coverage 129.4%, true coverage 129.4%.

ALLL / Loans
1.15%
Coverage
129.4%
True Loss Coverage
129.4%
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: 2026-05-15 01:33:25 UTC