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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q2QoQ -9

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

Quarterly Headline

2025-Q2

Bank #926632 2025-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.6% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.6% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.03% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -9 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -44

The five pillars

Liquidity

StableQoQ -4
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 87.7%, cash 2.0% of assets.

Cash / Assets
2.03%
Loans / Deposits
87.71%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.03% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.45%
No watch items at this period.

Capitalization

WatchQoQ 0
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.33%, CET1 10.33%, leverage 8.13%.

Tier 1 RBC
10.33%
CET1
10.33%
Leverage
8.13%
No watch items at this period.

Asset Quality

StableQoQ -6
78
Sub-score

Asset quality is stable: Adjusted NPL 2.77%, Texas Ratio 23.4%, NCO YTD 0.02%.

Adjusted NPL
2.77%
Govt-guarantees stripped
Texas Ratio
23.4%
NCO YTD
0.02%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.77% (govt-guarantees stripped).

Reserves

RiskQoQ -44
28
Sub-score

Reserves are weak: ALLL 1.17% of loans, coverage 42.6%, true coverage 42.6%.

ALLL / Loans
1.17%
Coverage
42.6%
True Loss Coverage
42.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.6% (Adjusted NPL + Performing Mods denominator).

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