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Fowler State Bank

IDRSSD: 433859
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
55
/ 100
WatchAs of 2025-Q1QoQ -14

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 #433859 2025-Q1 Vital Signs Score: 55/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.72%.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.12% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -14 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    ↑ +10
  • Capitalization
    — —
  • Asset Quality
    ↓ -36
  • Reserves
    ↓ -38

The five pillars

Liquidity

StrongQoQ -2
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 74.7%, cash 3.3% of assets.

Cash / Assets
3.33%
Loans / Deposits
74.69%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +10
72
Sub-score

Securities profile is stable: securities 28.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.35%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.16%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.16%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -36
35
Sub-score

Asset quality is weak: Adjusted NPL 4.12%, Texas Ratio 17.5%, NCO YTD 0.16%.

Adjusted NPL
4.12%
Govt-guarantees stripped
Texas Ratio
17.5%
NCO YTD
0.16%
30-89 PD
8.95%
Band 0.3% / 3.0%
90+ PD
2.72%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.12% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.72%.

Reserves

WatchQoQ -38
41
Sub-score

Reserves are deteriorating: ALLL 1.84% of loans, coverage 45.4%, true coverage 45.4%.

ALLL / Loans
1.84%
Coverage
45.4%
True Loss Coverage
45.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 45.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.4% (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: 2026-05-14 13:30:56 UTC